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classet_pb_slider_container_inner> div classet_pb_slide_description> h2 classet_pb_slide_title>a hrefhttps://carnowpensions.com/about/>Carnow & Associates/a>/h2>div classet_pb_slide_content>h4>strong>Pension Consultants, Plan Administrators, IRS & DOL Dispute Resolution, Estate Planning/strong>/h4>/div> div classet_pb_button_wrapper>a classet_pb_button et_pb_more_button hrefhttps://carnowpensions.com/about/>ABOUT US/a>/div> /div> /div> /div> /div> div classet_pb_slide et_pb_slide_1 et_pb_bg_layout_dark et_pb_media_alignment_center data-slide-idet_pb_slide_1> div classet_pb_container clearfix> div classet_pb_slider_container_inner> div classet_pb_slide_description> h2 classet_pb_slide_title>a hrefhttps://carnowpensions.com/services/>Your Corporate Retirement Partner/a>/h2>div classet_pb_slide_content>h4>strong>See how Carnow & Associates helps change the financial future of its clients and their participants/strong>/h4>/div> div classet_pb_button_wrapper>a classet_pb_button et_pb_more_button hrefhttps://carnowpensions.com/services/>OUR SERVICES/a>/div> /div> /div> /div> /div> div classet_pb_slide et_pb_slide_2 et_pb_bg_layout_dark et_pb_media_alignment_center data-slide-idet_pb_slide_2> div classet_pb_container clearfix> div classet_pb_slider_container_inner> div classet_pb_slide_description> h2 classet_pb_slide_title>a hrefhttps://carnowpensions.com/planning-opportunities/>View Sample Plans/a>/h2>div classet_pb_slide_content>h4>strong>Designing and developing the best plan to fit your needs/strong>/h4>/div> div classet_pb_button_wrapper>a classet_pb_button et_pb_more_button hrefhttps://carnowpensions.com/planning-opportunities/>LEARN MORE/a>/div> /div> /div> /div> /div> /div> /div> /div>div classet_pb_section et_pb_section_1 et_pb_with_background et_section_regular > div classet_pb_row et_pb_row_0> div classet_pb_column et_pb_column_2_3 et_pb_column_0 et_pb_css_mix_blend_mode_passthrough> div classet_pb_module et_pb_text et_pb_text_0 et_pb_text_align_left et_pb_bg_layout_light> div classet_pb_text_inner>h2>strong>The Building Blocks for Financial Strategy/strong>/h2>/div> /div> /div>div classet_pb_column et_pb_column_1_3 et_pb_column_1 et_pb_css_mix_blend_mode_passthrough et-last-child et_pb_column_empty> /div> /div> /div>div classet_pb_section et_pb_section_2 et_section_regular > div classet_pb_row et_pb_row_1> div classet_pb_column et_pb_column_2_3 et_pb_column_2 et_pb_css_mix_blend_mode_passthrough> div classet_pb_module et_pb_text et_pb_text_1 et_pb_text_align_left et_pb_bg_layout_light> div classet_pb_text_inner>p>strong>Your corporate retirement plan partner./strong> 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./p>p>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./p>p>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./p>p>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./p>/div> /div> /div>div classet_pb_column et_pb_column_1_3 et_pb_column_3 et_pb_css_mix_blend_mode_passthrough et-last-child> div classet_pb_module et_pb_image et_pb_image_0 et_pb_image_sticky> span classet_pb_image_wrap >img fetchpriorityhigh decodingasync width335 height222 srchttps://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/02/Blocks-red-top.png?lossy1&strip1&webp1 alt title srcsethttps://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/02/Blocks-red-top.png?size216x143&lossy1&strip1&webp1 216w, https://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/02/Blocks-red-top-300x199.png?lossy1&strip1&webp1 300w, https://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/02/Blocks-red-top.png?lossy1&strip1&webp1 335w sizes(max-width: 335px) 100vw, 335px classwp-image-47 />/span> /div>div classet_pb_module et_pb_text et_pb_text_2 et_pb_text_align_left et_pb_bg_layout_dark> div classet_pb_text_inner>h3>strong>Our Mission/strong>/h3>p>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./p>h3>strong>Our Vision/strong>/h3>p>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./p>/div> /div>div classet_pb_module et_pb_image et_pb_image_1 et_pb_image_sticky> span classet_pb_image_wrap >img decodingasync width618 height300 data-srchttps://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/02/Chicago.jpg?lossy1&strip1&webp1 altFAQs title data-srcsethttps://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/02/Chicago.jpg?size216x105&lossy1&strip1&webp1 216w, https://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/02/Chicago-480x233.jpg?lossy1&strip1&webp1 480w, https://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/02/Chicago.jpg?lossy1&strip1&webp1 618w data-sizes(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 618px, 100vw classwp-image-93 lazyload srcdata:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw style--smush-placeholder-width: 618px; --smush-placeholder-aspect-ratio: 618/300; />noscript>img decodingasync width618 height300 srchttps://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/02/Chicago.jpg?lossy1&strip1&webp1 altFAQs title srcsethttps://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/02/Chicago.jpg?size216x105&lossy1&strip1&webp1 216w, https://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/02/Chicago-480x233.jpg?lossy1&strip1&webp1 480w, https://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/02/Chicago.jpg?lossy1&strip1&webp1 618w sizes(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 618px, 100vw classwp-image-93 />/noscript>/span> /div>div classet_pb_module et_pb_image et_pb_image_2 et_pb_image_sticky> span classet_pb_image_wrap >img decodingasync width1959 height757 data-srchttps://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/02/Services-Pg_meeting-Laptop.jpg?lossy1&strip1&webp1 alt title data-srcsethttps://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/02/Services-Pg_meeting-Laptop.jpg?size216x83&lossy1&strip1&webp1 216w, https://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/02/Services-Pg_meeting-Laptop-480x185.jpg?lossy1&strip1&webp1 480w, https://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/02/Services-Pg_meeting-Laptop.jpg?size648x250&lossy1&strip1&webp1 648w, https://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/02/Services-Pg_meeting-Laptop.jpg?size864x334&lossy1&strip1&webp1 864w, https://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/02/Services-Pg_meeting-Laptop-980x379.jpg?lossy1&strip1&webp1 980w, https://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/02/Services-Pg_meeting-Laptop.jpg?size1080x417&lossy1&strip1&webp1 1080w, https://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/02/Services-Pg_meeting-Laptop-1280x495.jpg?lossy1&strip1&webp1 1280w, https://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/02/Services-Pg_meeting-Laptop.jpg?lossy1&strip1&webp1 1959w data-sizes(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) and (max-width: 1280px) 1280px, (min-width: 1281px) 1959px, 100vw classwp-image-334 lazyload srcdata:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw style--smush-placeholder-width: 1959px; 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--smush-placeholder-aspect-ratio: 1959/757; />noscript>img decodingasync width1959 height757 srchttps://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/02/Services-Pg_meeting-Laptop.jpg?lossy1&strip1&webp1 alt title srcsethttps://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/02/Services-Pg_meeting-Laptop.jpg?size216x83&lossy1&strip1&webp1 216w, https://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/02/Services-Pg_meeting-Laptop-480x185.jpg?lossy1&strip1&webp1 480w, https://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/02/Services-Pg_meeting-Laptop.jpg?size648x250&lossy1&strip1&webp1 648w, https://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/02/Services-Pg_meeting-Laptop.jpg?size864x334&lossy1&strip1&webp1 864w, https://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/02/Services-Pg_meeting-Laptop-980x379.jpg?lossy1&strip1&webp1 980w, https://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/02/Services-Pg_meeting-Laptop.jpg?size1080x417&lossy1&strip1&webp1 1080w, https://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/02/Services-Pg_meeting-Laptop-1280x495.jpg?lossy1&strip1&webp1 1280w, https://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/02/Services-Pg_meeting-Laptop.jpg?lossy1&strip1&webp1 1959w sizes(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) and (max-width: 1280px) 1280px, (min-width: 1281px) 1959px, 100vw classwp-image-334 />/noscript>/noscript>/span> /div> /div> /div>div classet_pb_row et_pb_row_2> div classet_pb_column et_pb_column_4_4 et_pb_column_4 et_pb_css_mix_blend_mode_passthrough et-last-child> div classet_pb_module et_pb_text et_pb_text_3 et_pb_text_align_left et_pb_bg_layout_light> div classet_pb_text_inner>p>strong>Your corporate retirement plan partner./strong> 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./p>p>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./p>p>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./p>p>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./p>/div> /div>div classet_pb_module et_pb_text et_pb_text_4 et_pb_text_align_left et_pb_bg_layout_dark> div classet_pb_text_inner>h3>strong>Our Mission/strong>/h3>p>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./p>h3>strong>Our Vision/strong>/h3>p>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./p>/div> /div>div classet_pb_module et_pb_image et_pb_image_3 et_pb_image_sticky> span classet_pb_image_wrap >img decodingasync width618 height300 data-srchttps://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/02/Chicago.jpg?lossy1&strip1&webp1 alt title data-srcsethttps://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/02/Chicago.jpg?size216x105&lossy1&strip1&webp1 216w, https://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/02/Chicago-480x233.jpg?lossy1&strip1&webp1 480w, https://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/02/Chicago.jpg?lossy1&strip1&webp1 618w data-sizes(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 618px, 100vw classwp-image-93 lazyload srcdata:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw style--smush-placeholder-width: 618px; 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data-srcsethttps://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/02/Services-Pg_meeting-Laptop.jpg?size216x83&lossy1&strip1&webp1 216w, https://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/02/Services-Pg_meeting-Laptop-480x185.jpg?lossy1&strip1&webp1 480w, https://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/02/Services-Pg_meeting-Laptop.jpg?size648x250&lossy1&strip1&webp1 648w, https://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/02/Services-Pg_meeting-Laptop.jpg?size864x334&lossy1&strip1&webp1 864w, https://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/02/Services-Pg_meeting-Laptop-980x379.jpg?lossy1&strip1&webp1 980w, https://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/02/Services-Pg_meeting-Laptop.jpg?size1080x417&lossy1&strip1&webp1 1080w, https://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/02/Services-Pg_meeting-Laptop-1280x495.jpg?lossy1&strip1&webp1 1280w, 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lazyload srcdata:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw style--smush-placeholder-width: 1959px; --smush-placeholder-aspect-ratio: 1959/757; />noscript>img decodingasync width1959 height757 srchttps://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/02/Services-Pg_meeting-Laptop.jpg?lossy1&strip1&webp1 alt title srcsethttps://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/02/Services-Pg_meeting-Laptop.jpg?size216x83&lossy1&strip1&webp1 216w, https://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/02/Services-Pg_meeting-Laptop-480x185.jpg?lossy1&strip1&webp1 480w, https://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/02/Services-Pg_meeting-Laptop.jpg?size648x250&lossy1&strip1&webp1 648w, https://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/02/Services-Pg_meeting-Laptop.jpg?size864x334&lossy1&strip1&webp1 864w, 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classet_pb_image_wrap >img decodingasync width200 height200 data-srchttps://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/02/Blue-Blocks-Flipped.png?lossy1&strip1&webp1 alt title data-srcsethttps://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/02/Blue-Blocks-Flipped-150x150.png?lossy1&strip1&webp1 150w, https://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/02/Blue-Blocks-Flipped.png?lossy1&strip1&webp1 200w data-sizes(max-width: 200px) 100vw, 200px classwp-image-397 lazyload srcdata:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw style--smush-placeholder-width: 200px; --smush-placeholder-aspect-ratio: 200/200; />noscript>img decodingasync width200 height200 srchttps://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/02/Blue-Blocks-Flipped.png?lossy1&strip1&webp1 alt title srcsethttps://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/02/Blue-Blocks-Flipped-150x150.png?lossy1&strip1&webp1 150w, https://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/02/Blue-Blocks-Flipped.png?lossy1&strip1&webp1 200w sizes(max-width: 200px) 100vw, 200px classwp-image-397 />/noscript>/span> /div> /div> /div> /div>div classet_pb_section et_pb_section_3 et_pb_with_background et_section_regular > div classet_pb_row et_pb_row_4> div classet_pb_column et_pb_column_1_3 et_pb_column_6 et_pb_css_mix_blend_mode_passthrough> div classet_pb_module et_pb_blurb et_pb_blurb_0 et_clickable et_pb_text_align_left et_pb_blurb_position_left et_pb_bg_layout_light> div classet_pb_blurb_content> div classet_pb_main_blurb_image>span classet_pb_image_wrap>span classet-waypoint et_pb_animation_top et_pb_animation_top_tablet et_pb_animation_top_phone et-pb-icon>/span>/span>/div> div classet_pb_blurb_container> h4 classet_pb_module_header>span>About Us/span>/h4> div classet_pb_blurb_description>p>Let Carnow & Associates, Ltd. help to keep you on target toward financial independence/p>/div> /div> /div> /div> /div>div classet_pb_column et_pb_column_1_3 et_pb_column_7 et_pb_css_mix_blend_mode_passthrough> div classet_pb_module et_pb_blurb et_pb_blurb_1 et_clickable et_pb_text_align_left et_pb_blurb_position_left et_pb_bg_layout_light> div classet_pb_blurb_content> div classet_pb_main_blurb_image>span classet_pb_image_wrap>span classet-waypoint et_pb_animation_top et_pb_animation_top_tablet et_pb_animation_top_phone et-pb-icon>g/span>/span>/div> div classet_pb_blurb_container> h4 classet_pb_module_header>span>Services/span>/h4> div classet_pb_blurb_description>p>See how Carnow & Associates helps change the financial future of its clients and their participants/p>/div> /div> /div> /div> /div>div classet_pb_column et_pb_column_1_3 et_pb_column_8 et_pb_css_mix_blend_mode_passthrough et-last-child> div classet_pb_module et_pb_blurb et_pb_blurb_2 et_clickable et_pb_text_align_left et_pb_blurb_position_left et_pb_bg_layout_light> div classet_pb_blurb_content> div classet_pb_main_blurb_image>span classet_pb_image_wrap>span classet-waypoint et_pb_animation_top et_pb_animation_top_tablet et_pb_animation_top_phone et-pb-icon>k/span>/span>/div> div classet_pb_blurb_container> h4 classet_pb_module_header>span>Planning Opportunities/span>/h4> div classet_pb_blurb_description>p>Designing and developing the best plan to fit your needs/p>/div> /div> /div> /div> /div> /div>div classet_pb_row et_pb_row_5> div classet_pb_column et_pb_column_1_3 et_pb_column_9 et_pb_css_mix_blend_mode_passthrough> div classet_pb_module et_pb_blurb et_pb_blurb_3 et_clickable et_pb_text_align_left et_pb_blurb_position_left et_pb_bg_layout_light> div classet_pb_blurb_content> div classet_pb_main_blurb_image>span classet_pb_image_wrap>span classet-waypoint et_pb_animation_top et_pb_animation_top_tablet et_pb_animation_top_phone et-pb-icon>/span>/span>/div> div classet_pb_blurb_container> h4 classet_pb_module_header>span>FAQs/span>/h4> div classet_pb_blurb_description>p>Most Frequently Asked Questions about plans and limitations/p>/div> /div> /div> /div> /div>div classet_pb_column et_pb_column_1_3 et_pb_column_10 et_pb_css_mix_blend_mode_passthrough> div classet_pb_module et_pb_blurb et_pb_blurb_4 et_clickable et_pb_text_align_left et_pb_blurb_position_left et_pb_bg_layout_light> div classet_pb_blurb_content> div classet_pb_main_blurb_image>span classet_pb_image_wrap>span classet-waypoint et_pb_animation_top et_pb_animation_top_tablet et_pb_animation_top_phone et-pb-icon>/span>/span>/div> div classet_pb_blurb_container> h4 classet_pb_module_header>span>Forms/span>/h4> div classet_pb_blurb_description>p>Forms such as Beneficiary Designation and Census Submission Spreadsheet/p>/div> /div> /div> /div> /div>div classet_pb_column et_pb_column_1_3 et_pb_column_11 et_pb_css_mix_blend_mode_passthrough et-last-child> div classet_pb_module et_pb_blurb et_pb_blurb_5 et_clickable et_pb_text_align_left et_pb_blurb_position_left et_pb_bg_layout_light> div classet_pb_blurb_content> div classet_pb_main_blurb_image>span classet_pb_image_wrap>span classet-waypoint et_pb_animation_top et_pb_animation_top_tablet et_pb_animation_top_phone et-pb-icon>/span>/span>/div> div classet_pb_blurb_container> h4 classet_pb_module_header>span>Links/span>/h4> div classet_pb_blurb_description>p>Resources for Employee Benefits & Governmental Links/p>/div> /div> /div> /div> /div> /div> /div>div classet_pb_section et_pb_section_4 et_pb_with_background et_section_regular > div classet_pb_row et_pb_row_6> div classet_pb_column et_pb_column_1_2 et_pb_column_12 et_pb_css_mix_blend_mode_passthrough> div classet_pb_module et_pb_text et_pb_text_5 et_pb_text_align_left et_pb_bg_layout_light> div classet_pb_text_inner>p styletext-align: center;>strong>More Than/strong>/p>/div> /div>div classet_pb_module et_pb_number_counter et_pb_number_counter_0 et_pb_text_align_center et_pb_bg_layout_light et_pb_with_title data-number-value400 data-number-separator> div classpercent >p>span classpercent-value>/span>span classpercent-sign>/span>/p>/div> h3 classtitle>Active Clients/h3> /div> /div>div classet_pb_column et_pb_column_1_2 et_pb_column_13 et_pb_css_mix_blend_mode_passthrough et-last-child> div classet_pb_module et_pb_text et_pb_text_6 et_pb_text_align_left et_pb_bg_layout_light> div classet_pb_text_inner>p styletext-align: center;>strong>More Than/strong>/p>/div> /div>div classet_pb_module et_pb_number_counter et_pb_number_counter_1 et_pb_text_align_center et_pb_bg_layout_light et_pb_with_title data-number-value540 data-number-separator> div classpercent >p>span classpercent-value>/span>span classpercent-sign>/span>/p>/div> h3 classtitle>Active Plans/h3> /div> /div> /div> /div>div classet_pb_section et_pb_section_5 et_pb_with_background et_section_regular > div classet_pb_row et_pb_row_7> div classet_pb_column et_pb_column_4_4 et_pb_column_14 et_pb_css_mix_blend_mode_passthrough et-last-child> div classet_pb_module et_pb_text et_pb_text_7 et_pb_text_align_left et_pb_bg_layout_light> div classet_pb_text_inner>h3>Advancing planning to a new level/h3>/div> /div> /div> /div>div classet_pb_row et_pb_row_8 et_pb_equal_columns> div classet_pb_column et_pb_column_2_5 et_pb_column_15 et_pb_css_mix_blend_mode_passthrough> div classet_pb_module et_pb_text et_pb_text_8 et_pb_text_align_left et_pb_text_align_center-tablet et_pb_bg_layout_dark> div classet_pb_text_inner>h2>Planning Opportunities/h2>h5>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./h5>/div> /div>div classet_pb_button_module_wrapper et_pb_button_0_wrapper et_pb_button_alignment_left et_pb_button_alignment_tablet_center et_pb_module > a classet_pb_button et_pb_button_0 et_pb_bg_layout_light hrefhttps://carnowpensions.com/planning-opportunities/>Learn More/a> /div> /div>div classet_pb_column et_pb_column_3_5 et_pb_column_16 et_pb_css_mix_blend_mode_passthrough et-last-child> div classet_pb_module et_pb_image et_pb_image_6> span classet_pb_image_wrap >img decodingasync width1135 height808 data-srchttps://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/10/Planning-Opportunities.png?lossy1&strip1&webp1 alt title data-srcsethttps://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/10/Planning-Opportunities.png?size216x154&lossy1&strip1&webp1 216w, https://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/10/Planning-Opportunities-480x342.png?lossy1&strip1&webp1 480w, https://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/10/Planning-Opportunities.png?size648x461&lossy1&strip1&webp1 648w, https://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/10/Planning-Opportunities.png?size864x615&lossy1&strip1&webp1 864w, https://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/10/Planning-Opportunities-980x698.png?lossy1&strip1&webp1 980w, https://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/10/Planning-Opportunities.png?size1080x769&lossy1&strip1&webp1 1080w, https://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/10/Planning-Opportunities.png?lossy1&strip1&webp1 1135w data-sizes(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1135px, 100vw classwp-image-743 lazyload srcdata:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw style--smush-placeholder-width: 1135px; --smush-placeholder-aspect-ratio: 1135/808; />noscript>img decodingasync width1135 height808 srchttps://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/10/Planning-Opportunities.png?lossy1&strip1&webp1 alt title srcsethttps://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/10/Planning-Opportunities.png?size216x154&lossy1&strip1&webp1 216w, https://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/10/Planning-Opportunities-480x342.png?lossy1&strip1&webp1 480w, https://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/10/Planning-Opportunities.png?size648x461&lossy1&strip1&webp1 648w, https://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/10/Planning-Opportunities.png?size864x615&lossy1&strip1&webp1 864w, https://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/10/Planning-Opportunities-980x698.png?lossy1&strip1&webp1 980w, https://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/10/Planning-Opportunities.png?size1080x769&lossy1&strip1&webp1 1080w, https://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/10/Planning-Opportunities.png?lossy1&strip1&webp1 1135w sizes(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1135px, 100vw classwp-image-743 />/noscript>/span> /div> /div> /div> /div>div classet_pb_section et_pb_section_6 et_section_regular > div classet_pb_row et_pb_row_9> div classet_pb_column et_pb_column_4_4 et_pb_column_17 et_pb_css_mix_blend_mode_passthrough et-last-child> div classet_pb_module et_pb_slider et_pb_slider_0 et_pb_slider_fullwidth_off et_pb_slider_no_pagination et_slider_auto et_slider_speed_7000> div classet_pb_slides> div classet_pb_slide et_pb_slide_3 et_pb_bg_layout_dark et_pb_media_alignment_center et-pb-active-slide data-slide-idet_pb_slide_3> div classet_pb_container clearfix> div classet_pb_slider_container_inner> div classet_pb_slide_description> h2 classet_pb_slide_title>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./h2>div classet_pb_slide_content>hr />p>em>Richard C., President/em>/p>/div> /div> /div> /div> /div> div classet_pb_slide et_pb_slide_4 et_pb_bg_layout_dark et_pb_media_alignment_center data-slide-idet_pb_slide_4> div classet_pb_container clearfix> div classet_pb_slider_container_inner> div classet_pb_slide_description> h2 classet_pb_slide_title>I would not hesitate to recommend Carnow and Ron Thurber to anyone, they’d be foolish not to use this group!/h2>div classet_pb_slide_content>p>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!/p>hr />p>em>Andrew F., President/em>/p>/div> /div> /div> /div> /div> div classet_pb_slide et_pb_slide_5 et_pb_bg_layout_dark et_pb_media_alignment_center data-slide-idet_pb_slide_5> div classet_pb_container clearfix> div classet_pb_slider_container_inner> div classet_pb_slide_description> h2 classet_pb_slide_title>Their service, responsiveness, and depth of knowledge are second to none./h2>div classet_pb_slide_content>p>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./p>hr />p>em>S.P. DDS/em>/p>/div> /div> /div> /div> /div> div classet_pb_slide et_pb_slide_6 et_pb_bg_layout_dark et_pb_media_alignment_center data-slide-idet_pb_slide_6> div classet_pb_container clearfix> div classet_pb_slider_container_inner> div classet_pb_slide_description> h2 classet_pb_slide_title>My experience with Ron Thurber at Carnow has been fantastic./h2>div classet_pb_slide_content>p>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./p>hr />p>em>Eric M., MD, President/em>/p>/div> /div> /div> /div> /div> div classet_pb_slide et_pb_slide_7 et_pb_bg_layout_dark et_pb_media_alignment_center data-slide-idet_pb_slide_7> div classet_pb_container clearfix> div classet_pb_slider_container_inner> div classet_pb_slide_description> h2 classet_pb_slide_title>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./h2>div classet_pb_slide_content>hr />p>em>M.R., MD/em>/p>/div> /div> /div> /div> /div> div classet_pb_slide et_pb_slide_8 et_pb_bg_layout_dark et_pb_media_alignment_center data-slide-idet_pb_slide_8> div classet_pb_container clearfix> div classet_pb_slider_container_inner> div classet_pb_slide_description> h2 classet_pb_slide_title>We have been using Carnow & Associates since 2008. We have been very happy with their services and industry knowledge. /h2>div classet_pb_slide_content>p>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./p>hr />p>em>Michael G., President & CEO/em>/p>/div> /div> /div> /div> /div> div classet_pb_slide et_pb_slide_9 et_pb_bg_layout_dark et_pb_media_alignment_center data-slide-idet_pb_slide_9> div classet_pb_container clearfix> div classet_pb_slider_container_inner> div classet_pb_slide_description> h2 classet_pb_slide_title>We have been working with Carnow and Associates for over 20 years./h2>div classet_pb_slide_content>p>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./p>hr />p>em>David D., President/em>/p>/div> /div> /div> /div> /div> div classet_pb_slide et_pb_slide_10 et_pb_bg_layout_dark et_pb_media_alignment_center data-slide-idet_pb_slide_10> div classet_pb_container clearfix> div classet_pb_slider_container_inner> div classet_pb_slide_description> h2 classet_pb_slide_title>Ron and his colleagues clearly take pride in their work./h2>div classet_pb_slide_content>p>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./p>hr />p>em>Eric M., MD, President/em>/p>/div> /div> /div> /div> /div> div classet_pb_slide et_pb_slide_11 et_pb_bg_layout_dark et_pb_media_alignment_center data-slide-idet_pb_slide_11> div classet_pb_container clearfix> div classet_pb_slider_container_inner> div classet_pb_slide_description> h2 classet_pb_slide_title>I have always found Mark and Carnow and Associates, Ltd. to be highly knowledgable, professional, and responsive./h2>div classet_pb_slide_content>hr />p>em>M.R., MD/em>/p>/div> /div> /div> /div> /div> div classet_pb_slide et_pb_slide_12 et_pb_bg_layout_dark et_pb_media_alignment_center data-slide-idet_pb_slide_12> div classet_pb_container clearfix> div classet_pb_slider_container_inner> div classet_pb_slide_description> h2 classet_pb_slide_title>I have been working with Ron for several years and the service I receive is beyond A+. /h2>div classet_pb_slide_content>p>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./p>hr />p>em>Daniel S., JD, Managing Partner/em>/p>/div> /div> /div> /div> /div> div classet_pb_slide et_pb_slide_13 et_pb_bg_layout_dark et_pb_media_alignment_center data-slide-idet_pb_slide_13> div classet_pb_container clearfix> div classet_pb_slider_container_inner> div classet_pb_slide_description> h2 classet_pb_slide_title>The Carnow & Associates team is very responsive, educated, and creative./h2>div classet_pb_slide_content>p>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./p>hr />p>em>Steve D., CPA, President/em>/p>/div> /div> /div> /div> /div> div classet_pb_slide et_pb_slide_14 et_pb_bg_layout_dark et_pb_media_alignment_center data-slide-idet_pb_slide_14> div classet_pb_container clearfix> div classet_pb_slider_container_inner> div classet_pb_slide_description> h2 classet_pb_slide_title>We appreciate the depth of their experience and highly recommend their services./h2>div classet_pb_slide_content>hr />p>em>Michael G., President & CEO/em>/p>/div> /div> /div> /div> /div> div classet_pb_slide et_pb_slide_15 et_pb_bg_layout_dark et_pb_media_alignment_center data-slide-idet_pb_slide_15> div classet_pb_container clearfix> div classet_pb_slider_container_inner> div classet_pb_slide_description> h2 classet_pb_slide_title>We felt good about the fact that we were doing the right thing, the right way, with the right people supporting us. /h2>div classet_pb_slide_content>p>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./p>hr />p>em>Kurt C., JD, Managing Partner/em>/p>/div> /div> /div> /div> /div> /div> /div> /div> /div> /div>div classet_pb_section et_pb_section_7 et_pb_with_background et_section_regular > div classet_pb_row et_pb_row_10 et_pb_equal_columns> div classet_pb_column et_pb_column_3_5 et_pb_column_18 et_pb_css_mix_blend_mode_passthrough> div classet_pb_module et_pb_image et_pb_image_7> span classet_pb_image_wrap >img loadinglazy decodingasync width1055 height762 data-srchttps://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/10/Our-Services.png?lossy1&strip1&webp1 alt title data-srcsethttps://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/10/Our-Services.png?size216x156&lossy1&strip1&webp1 216w, https://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/10/Our-Services-480x347.png?lossy1&strip1&webp1 480w, https://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/10/Our-Services.png?size648x468&lossy1&strip1&webp1 648w, https://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/10/Our-Services.png?size864x624&lossy1&strip1&webp1 864w, https://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/10/Our-Services-980x708.png?lossy1&strip1&webp1 980w, https://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/10/Our-Services.png?lossy1&strip1&webp1 1055w data-sizes(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1055px, 100vw classwp-image-744 lazyload srcdata:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw style--smush-placeholder-width: 1055px; --smush-placeholder-aspect-ratio: 1055/762; />noscript>img loadinglazy decodingasync width1055 height762 srchttps://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/10/Our-Services.png?lossy1&strip1&webp1 alt title srcsethttps://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/10/Our-Services.png?size216x156&lossy1&strip1&webp1 216w, https://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/10/Our-Services-480x347.png?lossy1&strip1&webp1 480w, https://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/10/Our-Services.png?size648x468&lossy1&strip1&webp1 648w, https://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/10/Our-Services.png?size864x624&lossy1&strip1&webp1 864w, https://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/10/Our-Services-980x708.png?lossy1&strip1&webp1 980w, https://b2572969.smushcdn.com/2572969/wp-content/uploads/2021/10/Our-Services.png?lossy1&strip1&webp1 1055w sizes(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1055px, 100vw classwp-image-744 />/noscript>/span> /div> /div>div classet_pb_column et_pb_column_2_5 et_pb_column_19 et_pb_css_mix_blend_mode_passthrough et-last-child> div classet_pb_module et_pb_text et_pb_text_9 et_pb_text_align_left et_pb_text_align_center-tablet et_pb_bg_layout_dark> div classet_pb_text_inner>h2>Our Services/h2>h5>See how Carnow & Associates helps change the financial future of its clients and their participants./h5>/div> /div>div classet_pb_button_module_wrapper et_pb_button_1_wrapper et_pb_button_alignment_left et_pb_button_alignment_tablet_center et_pb_module > a classet_pb_button et_pb_button_1 et_pb_bg_layout_light hrefhttps://carnowpensions.com/services/>Learn More/a> /div> /div> /div> /div>div classet_pb_section et_pb_section_8 et_pb_with_background et_section_regular section_has_divider et_pb_top_divider > div classet_pb_top_inside_divider et-no-transition>/div> /div> /div> /div> /div> /article> /div> footer idmain-footer> div idfooter-bottom> div classcontainer clearfix> div idfooter-info>© Carnow & Associates | 2201 Waukegan Road, Suite 150, Bannockburn, Illinois 60015 | 847.501.4622/div> /div> /div> /footer> /div> /div> script typetext/javascript> var _paq _paq || ; 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