401K & Retirement

HMS offers a coordinated program to assist in the evaluation, design, implementation and administration of retirement plans that best suit the unique needs of our clients.  We pride ourselves on our unparalleled service to continually ensure sponsors and participants are properly educated and the plan is operating to its potential. 


Common uses include mortgage protection, college education, and salary continuation.  Individual Life, Disability, Long-Term Care, and investment products are key components in the strategic planning.  Advanced uses include estate planning, key  person, buy/sell programs, deferred compensation, split dollar programs and wealth accumulation.  We utilize the resources of the most widely respected and financially solid insurance carriers in the industry.