Carnow & Associates

Pension Consultants, Plan Administrators, IRS & DOL Dispute Resolution, Estate Planning

ABOUT US

Your Corporate Retirement Partner

See how Carnow & Associates helps change the financial future of its clients and their participants

OUR SERVICES

View Sample Plans

Designing and developing the best plan to fit your needs

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The Building Blocks for Financial Strategy

Your corporate retirement plan partner. With over 50 years in existence, and over 80 combined years of personnel tenure in working with qualified retirement plans, Carnow & Associates has represented clients before the IRS, DOL, and the Pension Benefit Guaranty Corporation. Located in the North Shore area of Chicagoland, Carnow & Associates has positioned itself as one of the premier pension consulting and actuarial firms in the region.

Our primary niche and focus revolves around designing tax advantaged solutions for the small to medium-sized business. Carnow & Associates offers services for all types of qualified plans, including but not limited to, 401(k), Profit Sharing, traditional Defined Benefit and Cash Balance Defined Benefit Plans.

Properly designing a retirement plan is not “cookie-cutter” business. Your needs and the needs of your company undoubtedly change over time – that could affect the needs, requirements, and goals of your retirement plan.

Shouldn’t you have someone on your side that will be able to clearly identify tax sheltering strategies and retirement solutions that will help you enjoy your wealth and retirement? Carnow & Associates can remove the uncertainty of your financial future, and keep you on target toward financial independence.

Our Mission

Providing professional, creative retirement plan design with a focus on developing the highest level of tax advantaged savings coupled with the greatest flexibility to tailor a program that will fit your individual company needs.

Our Vision

Carnow & Associates prides itself on getting to know each of our clients on a individual basis. Properly designing a retirement plan is not “cookie-cutter” business. Your needs and the needs of your company undoubtedly change over time… and that could affect the needs, requirements and goals of your retirement plan.

FAQs

Your corporate retirement plan partner. With over 50 years in existence, and over 80 combined years of personnel tenure in working with qualified retirement plans, Carnow & Associates has represented clients before the IRS, DOL, and the Pension Benefit Guaranty Corporation. Located in the North Shore area of Chicagoland, Carnow & Associates has positioned itself as one of the premier pension consulting and actuarial firms in the region.

Our primary niche and focus revolves around designing tax advantaged solutions for the small to medium-sized business. Carnow & Associates offers services for all types of qualified plans, including but not limited to, 401(k), Profit Sharing, traditional Defined Benefit and Cash Balance Defined Benefit Plans.

Properly designing a retirement plan is not “cookie-cutter” business. Your needs and the needs of your company undoubtedly change over time – that could affect the needs, requirements, and goals of your retirement plan.

Shouldn’t you have someone on your side that will be able to clearly identify tax sheltering strategies and retirement solutions that will help you enjoy your wealth and retirement? Carnow & Associates can remove the uncertainty of your financial future, and keep you on target toward financial independence.

Our Mission

Providing professional, creative retirement plan design with a focus on developing the highest level of tax advantaged savings coupled with the greatest flexibility to tailor a program that will fit your individual company needs.

Our Vision

Carnow & Associates prides itself on getting to know each of our clients on a individual basis. Properly designing a retirement plan is not “cookie-cutter” business. Your needs and the needs of your company undoubtedly change over time… and that could affect the needs, requirements and goals of your retirement plan.

About Us

Let Carnow & Associates, Ltd. help to keep you on target toward financial independence

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Services

See how Carnow & Associates helps change the financial future of its clients and their participants

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Planning Opportunities

Designing and developing the best plan to fit your needs

FAQs

Most Frequently Asked Questions about plans and limitations

Forms

Forms such as Beneficiary Designation and Census Submission Spreadsheet

Links

Resources for Employee Benefits & Governmental Links

More Than

Active Clients

More Than

Active Plans

Advancing planning to a new level

Planning Opportunities

No matter what type of plan you and your company are in the market for, our professional consultants can assist you in designing and developing the best plan to fit your needs, building in the flexibility necessary for the ever-changing face of today’s businesses.
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Carnow and Associates has managed my retirement plan for 21 years and I have always had the best professional service while giving confidence one needs for peace of mind.

Richard C., President

I would not hesitate to recommend Carnow and Ron Thurber to anyone, they’d be foolish not to use this group!

My life as owner of our companies has been made easier and less stressful knowing that Ron and Carnow & Associates is involved with us. Response time to any request has always been remarkably fast, even on weekends!

Andrew F., President

Their service, responsiveness, and depth of knowledge are second to none.

We have worked with Carnow and Associates, Ltd. for a number of years. Our retirement plan structure is an important part of our employee benefits package, as well as a valued means of saving for retirement for all of our plan participants. Mark and the Carnow and Associates, Ltd. team have proven to be extremely valuable resources for helping us design and operate our retirement plan structure.

S.P. DDS

My experience with Ron Thurber at Carnow has been fantastic.

My accountant referred me to two TPA/pension firms and the decision was obvious after talking with Ron for 10 minutes. I immediately felt a sense of trust, confidence, and transparency. Many issues that my office manager and I struggled to understand in the past were resolved with a few phone calls.

Eric M., MD, President

I have worked with Carnow and Associates, Ltd. for the better part of a decade and across two different practices. Mark Carnow’s ability to address both the actuarial and legal needs of plan sponsors is indeed a valued combination of resources that is suited to addressing each client’s objectives.

M.R., MD

We have been using Carnow & Associates since 2008. We have been very happy with their services and industry knowledge.

They are on top of any new developments, regulations and changes that need to be made to our documents and plans in order to maintain our compliance.

Michael G., President & CEO

We have been working with Carnow and Associates for over 20 years.

Ron has been a great partner to work with – always quick to respond and knowledgeable. We have changed our plan over the years based on our business needs and Ron has always been great explaining all our options, so we make an informed decision.

David D., President

Ron and his colleagues clearly take pride in their work.

Ron took his time to discuss all options with clear explanation of the relative upsides of each. The transition / implementation process was seamless and, contrary to experiences I’ve had in the past, the quality of service a year into our business relationship remains high. Phone calls / emails are answered in a timely fashion and rarely require follow up.

Eric M., MD, President

I have always found Mark and Carnow and Associates, Ltd. to be highly knowledgable, professional, and responsive.

M.R., MD

I have been working with Ron for several years and the service I receive is beyond A+.

It seems like his response time to my questions is immediate and he makes me believe I am his only client. I could not recommend him and Carnow & Associates more highly.

Daniel S., JD, Managing Partner

The Carnow & Associates team is very responsive, educated, and creative.

We have worked with Carnow and Associates for over 20 years. They work on our retirement plan as well as many of our clients. They are wonderful to work with throughout the year. We love working with them and will continue to refer our clients as well.

Steve D., CPA, President

We appreciate the depth of their experience and highly recommend their services.

Michael G., President & CEO

We felt good about the fact that we were doing the right thing, the right way, with the right people supporting us.

We have worked with Ron Thurber from Carnow & Associates since we started our 401k Plan at the firm. Once we sat down and discussed the plan with Ron, we were able to see how it would truly help our employees and ownership put this plan into place. We have continued to stay with Ron at Carnow because he is extremely responsive and helpful with his answers, options, and solutions.

Kurt C., JD, Managing Partner

Our Services

See how Carnow & Associates helps change the financial future of its clients and their participants.
Learn More