Turner Pension Solutions designs and administers qualified retirement plan structures for business owners, CPAs, and financial advisors - helping evaluate tax-smart ways to reward owners, support key employees, and keep the plan running cleanly.
Turner Pension Solutions is the new name for Retirement Plan Specialists, Inc. - the same experienced team, the same in-house technical depth, and the same client-service continuity. Learn more.
Existing clients can continue using the Plan Sponsor Link portal to access their plan information online. This login is carried forward from the RPS site as a required client-service pathway.
A plan that worked well two or three years ago may no longer match your tax picture, your workforce, or your goals. These are the situations we see most often.
You have a 401(k) but your CPA says you should be sheltering more.
A basic plan may be leaving significant deductions on the table. Profit-sharing and cash balance structures can change that - but only if they're designed for your specific situation, not borrowed from a template.
Your provider handles the investments, but no one seems to own the plan design.
Investment platforms and TPAs are different roles. Many business owners discover too late that their provider doesn't handle compliance testing, plan design, or corrections in any meaningful way.
A compliance question came up and you couldn't get a straight answer.
When IRS or DOL questions arise, you need a team that speaks the language - not one that escalates everything to a back office you'll never reach. Responsive administration is most important when the questions get technical.
Business owners, CPAs, and financial advisors do not come to a TPA with the same problem. Turner Pension Solutions should immediately show each reader where they fit, what problem TPS solves, and how the firm supports the relationship without creating more noise.
You may not need “a retirement product.” You may need a specialist to look at the business, ownership structure, workforce, and tax picture - then design a plan that fits.
Your client may be profitable, late to planning, or sitting in a plan design that no longer matches the tax conversation. You need a specialist who helps without taking over.
You own the investment relationship. TPS handles plan design and administration. That boundary should be obvious so advisors feel safe bringing TPS into the room.
All work performed in-house by credentialed consultants and actuaries - not outsourced to third parties.
Turner Pension Solutions is the new brand for the same team previously known as Retirement Plan Specialists, Inc. Same people. Same depth.
Your business has grown significantly, but your plan hasn't been revisited.
A 401(k) that made sense at an earlier income level may leave real opportunity on the table as profits grow. Cash balance and profit-sharing structures can scale with the business - if they're designed for it.
No one is proactively watching your plan for compliance issues.
Eligibility errors, failed testing, late filings, and loan violations are more common than most owners realize. They're correctable - but only if someone is watching. That's what we do.
You want to reward key employees intentionally, not uniformly.
Cross-tested and safe harbor structures allow contribution allocations that reflect your business goals and ownership structure - legally and deliberately, not as an afterthought.
Your current TPA is slow, uncommunicative, or can't answer a technical question.
A slow TPA can stall year-end decisions, delay filings, and leave you exposed when questions surface. Responsiveness matters most when things get complicated.
You're in peak earning years and want to maximize what you put away before retirement.
Defined benefit and cash balance plans can allow significantly higher annual contributions for business owners - amounts that go well beyond what a standard 401(k) alone permits. The specifics depend on age, income, and plan design.
We design and administer tax-qualified retirement plans. All work is done in-house - not outsourced to a back office you'll never talk to.
Plan Design & Tax Strategy
Core Service401(k), profit sharing, safe harbor, cross-tested, cash balance, and defined benefit plans - designed around your tax picture, ownership structure, and long-term goals. A plan that isn't designed well costs money every year it runs.
Ongoing Plan Administration
Core ServiceEnrollment, contributions, participant loans and distributions, vesting calculations, and year-end recordkeeping - handled in-house with accuracy and clear communication at every step.
Compliance Testing & Filings
Core ServiceADP/ACP testing, top-heavy and coverage analysis, Form 5500 preparation, and actuarial certifications for defined benefit plans. We identify issues before they become problems - not after.
Plan Corrections & Problem Solving
Supporting ServiceEligibility errors, missed contributions, late deposits, operational failures. We work through established IRS and DOL correction programs. If something went wrong in your plan, it's almost always fixable - but it needs to be corrected properly.
CPA & Advisor Coordination
Supporting ServiceWe coordinate directly with your CPA on contribution timing and plan design decisions. We work with your investment advisor on plan operations. We reduce friction in those relationships - we don't add to it.
Plan Reviews & Second Opinions
ConsultingNot sure whether your plan is the right design, running correctly, or missing something? We can review it. We'll tell you what we see and what, if anything, should change.
All work performed in-house by credentialed staff - not routed to a third-party back office.
Most plan problems don't announce themselves until they're expensive. Our process is built to catch them early and keep things running cleanly.
We learn about your business, current plan, tax picture, ownership goals, and employee situation. No proposal before we understand your actual situation.
We evaluate whether your current plan is still the right design - or identify a structure that captures more. We coordinate with your CPA before recommendations are finalized.
Plan documents, enrollment, actuarial work, and coordination with your investment platform - all in-house, with clear communication throughout.
Year-round administration, testing, filings, and a team that responds when you call. You'll know who you're talking to - because it's the same people every time.
Responsive administration matters most
when the questions get technical.
Turner Pension Solutions - We pick up the phone.
These are sample-only proof points written to show tone, length, and placement. They are not real testimonials and should be replaced, approved, or removed before publication.
"They helped us understand which plan design questions mattered before year-end, and kept our CPA in the loop before anything became urgent."
"When testing and contribution questions came up, we got clear answers from people who understood the plan instead of being routed through a help desk."
"As a referral partner, I want a TPA who protects the relationship, answers technical questions, and stays in the right lane. That is the standard."
The way we work with CPAs and advisors is deliberate. We respect the relationship, we communicate in a way that makes you look organized, and we don't compete for the client.
We speak tax, we understand owner compensation strategy, and we help you avoid the plan problems that turn into your year-end surprises.
We're the technical plan specialist. You're the client's advisor. That's the model - and we never blur those lines.
Turner Pension Solutions is the new brand for the team previously known as Retirement Plan Specialists, Inc. The name changed. The technical depth, credentials, and commitment to service did not.
Professional headshot - warm, confident, approachable. Real person, not a stock photo.
Lanny Turner leads Turner Pension Solutions into its next chapter after joining RPS in 2003. His work centers on defined benefit plan administration, technical plan operations, and carrying forward the firm's in-house service model.
Same aesthetic as above for visual consistency. Warm but clearly competent. Not stock art.
Sandra Turner founded Retirement Plan Specialists and remains a distinctive part of the firm's story. Her background includes decades of pension administration, plan consulting, and national small-business pension advocacy.
The day-to-day administration team supports contributions, distributions, testing coordination, filing updates, and client questions - keeping important plan details inside the firm rather than outsourced to an unseen back office.
Formerly Known As
Retirement Plan Specialists, Inc. (RPS)
Turner Pension Solutions is the rebrand of the same retirement plan team. Same technical team. Same in-house approach. A name that better reflects where we're going. If you worked with us under the RPS name, you're in the right place.
A guide to recognizing when a basic 401(k) or profit sharing plan no longer fits the business, and what to review before moving into more advanced plan design.
Read the guideA practical article for CPAs coordinating retirement plan contributions, plan setup timing, client expectations, and year-end deduction conversations.
Read the articleAn explainer for advisors who want a technical TPA partner that supports plan design and administration without confusing investment, advisory, and administrative responsibilities.
Read the explainerRequest a plan review - no obligation, no sales pressure. We'll look at your situation, tell you what we see, and let you decide whether there's a conversation worth having.
No sales pressure. No obligation. We'll respond within one business day.
Prefer to call? (407) 365-3490 or (888) 376-7222
Current client portal: Plan Sponsor Link
Email: info@wehelppeopleretire.com