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In our Administration area, compliance & accuracy is job #1

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Burnham & Flower Retirement Services specializes in qualified retirement plan consulting, record-keeping, compliance, and administration.  We provide our clients with accurate and timely plan administration to insure compliance with IRS, ERISA, and DOL regulations.


Burnham & Flower has developed a menu of administrative services that provide clients full compliance with all tax regulations.  This complete menu assures plan sponsors, consultants, advisors and other professionals that all aspects of a plan or trust's administrative needs are met.

Todd Carless, Retirement | V-Card


Amber Howes, Director, Retirement & Group Benefits | V-Card




OPEB Solutions

Burnham & Flower can provide the resources needed to help you manage and contain your OPEB expenses and liabilities.  Our program provides a total turn-key solution including:


  • Benefits consulting designed to help you mitigate current employee and retiree benefit expenses
  • Section 115 trust
  • Legal documents required to establish a funding program
  • Professional investment strategy and money management
  • Plan administration and record-keeping services
  • Ongoing customer service and support.


Public Act 152 Compliance

  • We provide analysis for both the Hard Cap and the 80/20 method


Public Act 106 Compliance

  • Solicit four or more bids every three years when renewing or continuing a medical benefit plan including at least one bid from a Voluntary Employees' Beneficiary Association (VEBA) described in section 501(c)(9) of the internal revenue code, 26 USC 501(c)(9)
  • We utilize our own VEBA for PA 106 compliance.

Jack Schmitz, Director of Municipal Benefit Sales | V-Card



Burnham & Flower enhances the effectiveness of our clients’ Human Resource Departments by providing administrative services for the following Plans

  1. Health Reimbursement Arrangements (HRAs)
  2. Health Savings Accounts (HSAs)
  3. Flexible Spending Accounts (FSAs)
  4. Office visit and prescription drug co-pay reimbursement
  5. Self-funded Dental/Vision/Hearing reimbursement.


Our benefit specialists handle all aspects of customer service related to claims. Quality is monitored through regular claims audits and daily productivity reports. Detailed claims information is available for employers and employees via our website.


Employee Online resources (Toolkit)

  • Toolkit is an on-line virtual warehouse of all the insurance, benefits and coverage contracts a client has with Burnham & Flower.  Customized and secure, toolkit is convenient resource for both employers and employees.


Tracy Ames, CPA



Amber Howes, Director, Retirement & Group Benefits | V-Card



In our financial services division we focus on building long term client relationships by helping you achieve your financial goals before and after retirement.  Through our knowledge, resources and expertise, we work with our clients to develop custom, diversified investment programs.  Our highly qualified team can assist you in reaching and maintaining your retirement goals.


Products designed to meet your investment goals

  • IRAs
  • Mutual funds
  • Tax sheltered programs
  • Guaranteed income programs
  • College savings


Retirement accumulation and distribution planning

  • Specialty retirement preparation programs and resources
  • Distribution strategies suited to meet your needs and financial goals
  • Retirement and employment termination rollover assistance


Risk tolerance monitoring and asset allocation strategies


Professional service team

  • In addition to your account representative, you benefit from an entire team of service professionals available to service your account.