Our Services

  • Retirement plan services

    401(k) Plans

    One of the most popular and common types of company-sponsored retirement plans available today, a traditional 401(k) plan allows participants to reduce their current taxable income levels by deferring pre-tax income into the plan. Those contributions enjoy tax-deferred savings until withdrawn at retirement.

  • Cash Balance Plans

    There are two general types of pension plans — defined benefit plans and defined contribution plans. A cash balance pension plan is a pension plan under which an employer credits a participant's account with a set percentage of his or her yearly compensation plus interest charges.

  • Defined Benefit Plans

    A Defined Benefit plan is a retirement plan that promises a specific monthly benefit at retirement. This benefit may be stated as an exact dollar amount, such as $100 per month at retirement, or calculated through a plan formula that considers such factors as salary history and years of service.

  • 403(b) and 457(b) Plans

    Falling under the auspice of ERISA and Non- ERISA plans, a 403(b) plan offers a means for employees of non-profit organizations - sometimes referred to as 501(c)3 organizations - to defer pretax income into a tax-deferred retirement savings account.

  • Plan Terminations

    Once a company has decided to terminate its employee retirement plan, it is necessary to complete the administration of the plan and ensure terminations are completed in compliance with ERISA and IRS requirements as quickly as possible.

  • Compliance Resolution

    Even the IRS and DOL recognize that mistakes can happen. If a plan sponsor finds that their plan is not in compliance, there are several programs available that the Ryding Company can assist you with, to help correct problems and bring the plan back into compliance.

  • IRS & DOL Audits

    Every year the Department of Labor (DOL) and the Internal Revenue Service’s (IRS) Employee Plans Compliance Program (EP) perform thousands of audits of employee benefit retirement plans.

  • Annual Plan Reviews

    Don’t forget to invite Julie Tucker to your Annual Plan Review! As the financial advisor, you can focus on investments, and Julie will highlight plan design and compliance.

  • Plan Sponsor Workshops

    The Ryding Company places a high value on education, and we don’t just focus on our employees! Currently, we offer an in-depth, six-hour workshop that focuses on the complexities of administering 401(k) and 403(b) plans.

  • 3(16) Fiduciary Services

    ERISA Section 3(16) states the definition of “Plan Administrator” as responsible for the daily operation of the plan. A Plan Administrator under ERISA 3(16) is identified in the Plan Document and if the Plan Document is not specific, the Plan Sponsor is considered to be the 3(16) fiduciary.

401(k) Retirement Plans

401k Retirement Plans

A company 401(k) plan for your employees is one of the most popular and common of company-sponsored retirement plans available today. They can be a great way to encourage your employees to save for their retirement as they allow your team members to put money aside in a tax-deferred plan. READ MORE

Cash Balance Plans


There are two general types of pension plans — defined benefit plans and defined contribution plans. Defined benefit plans provide a specific benefit at retirement for each qualified employee, while defined contribution plans specify the amount of contributions to be made by the employer READ MORE

Meet with Professionals

Holly Nickels
Chief Financial Officer

(805) 267-2911

Ryan J. Pedroza

President/Chief Executive OfficerERPA, QPA, APA

(805) 267-2934

1. I love spending time with my Family. 2. Love the Steelers. 3. Love coaching Football
Dave Ryding
Chairman of the Board

(808) 757-5705

Danielle Sesock

Senior Vice President of Sales

(805) 267-2935

1. I love spending time with my Family. 2. Love the Steelers. 3. Love coaching Football


Let us Help you

Years in Business
In a Nationally Ranked Survey
Clients Currently Serviced
“I just wanted to take a moment to give HUGE thanks and appreciation for Stephanie and all her hard work, great attitude and customer service. It is rare these days to receive a high quality of customer service, you certainly have this with her and I wanted you to know! JOB WELL DONE STEPHANIE.”
– Jen Carafelli Office Manager, AAA Development, Inc.
“Just wanted to shoot you a note to let you know that Danielle is fabulous to work with. Consistently on top of things and goes beyond the required to help out. I wanted to make sure that she was recognized for her wonderful work because sometimes the little things ….”
– Tyler G., FM Financial Services, Inc.
“We appreciate your firm’s professionalism, knowledge and politeness. You always answer our questions promptly and clearly, and we feel confident that the administration of our company savings plan is in good hands. Thank you.”
– Robyn P., Vision Mechanical Services
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It’s time to make sure your future is waiting for you when you’re ready for it.

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