Small companies often have a family-like feel. Employers want to ensure their workers have a plan in place for retirement and long-term financial planning. Small businesses can offer a 401(k) plan or match contributions to spur savings. Tax laws and regulations can make offering a 401(k) complex. Some businesses turn to alternatives such as payroll deduction for IRA, where employees can allocate a certain amount of their check directly into their savings. Another option is a defined benefit plan, where the employer promises a promised pension amount each month upon retirement. Those who are se…