For Practices
Retirement plans built for the complexity of medicine
From solo practices to multi-physician groups, we design plans that work for physicians, staff, and compliance simultaneously, and coordinate them with the owner's personal wealth.
The practice challenge
A medical practice isn't a generic small business
Inside one practice you might have a physician earning $400K, a nurse at $80K, and an administrator at $45K, all in the same plan, all with different priorities. Some roles turn over quickly. Partnership structures add another layer. And ERISA holds you to fiduciary standards that don't apply to most employers your size.
Most 401(k) providers treat you like any other small business and hand you an off-the-shelf plan. That leaves owner tax deferral on the table and exposes you to testing failures. We design for how a medical practice actually works.
Illustrative mixed-practice payroll; physician pay per BLS OEWS (2024).
What we do for practices
How we handle the business of medicine
We design and run the plan side of a medical practice, coordinated with the team that already manages the physician-owner's personal wealth.
Plan design for mixed teams
401(k), Safe Harbor, profit sharing, and cash balance, structured to maximize the owner's benefit while passing compliance for staff.
ERISA, testing, and filings handled
Non-discrimination testing, Safe Harbor structuring, and annual filings, kept qualified year after year.
Coordinated with your personal plan
The team that runs the plan also manages the physician-owner's personal wealth, so practice and personal move together.
Built for fiduciaries
The standards a plan sponsor actually owes
When you sponsor a retirement plan, you take on fiduciary duties to your employees. We help you meet them, and we hold ourselves to the same standard in the advice we give you.
ERISA compliance expertise
Plan design, non-discrimination testing, Safe Harbor structuring, and annual filings handled with the rigor ERISA demands, so your plan stays qualified and your staff stays covered.
Fiduciary standard
alooola is a registered investment advisor (SEC firm #325090). We are legally obligated to act in your interest, no commissions, no product sales, no conflicts buried in the fine print.
Alongside your team
We work alongside your accountant and attorney, not against them. The goal is one coherent plan across your practice and your personal finances, not another silo for you to manage.
How it works
From first conversation to ongoing management
A practice plan isn't a one-time setup. We design it around your structure, implement it cleanly, and stay with it year after year.
Initial consultation
We learn how your practice is structured, who's on payroll, and what owners and staff need from a plan, before recommending anything.
Plan design
A custom recommendation: the plan type, contribution structure, and Safe Harbor or testing approach that fits your group, modeled against your actual census.
Implementation & ongoing management
Enrollment, compliance testing, and annual reviews, handled. We keep the plan qualified and adjust it as the practice grows.