WE BRING SOLUTIONS

 

401(k) CHALLENGES

Employers face significant responsibilities and challenges when offering a company sponsored retirement plan to its employees.  Plan sponsors must comply with ever-changing and complex regulatory standards from multiple supervisory agencies and legislation, which can be overwhelming.


Our approach is different.  As an independent advisory firm, we take ownership in helping you select competitive service providers.  We tie this together into a unified, simple solution. This integrated, yet flexible model provides our clients with the best of all worlds.  You have a business to manage.  Let us focus on your retirement plan so you can focus on your company.  

 


FIDUCIARY FOUNDATION

 

Every employer strives to reduce, or even eliminate, any unnecessary risk.  ERISA allows your organization to transfer control of the investment decision making process to a 3(38) Investment Manager. At that point, your responsibility is to then simply monitor that manager. This is powerful because the selected investment manager does not act as a co-fiduciary, but actually steps in front of you and your organization as the fiduciary for investment related functions.

 
 

DISCIPLINED DIVERSIFICATION

Many retirement plan investment choices remain limited to common investments, such as stocks, bonds, and cash. Our investment lineup is not bound by a traditional definition of diversification and includes an extraordinarily wide selection of asset types, including often overlooked specialized investments.  The goal of this approach is to offer employees the ability to participate in a broad range of return opportunities, address numerous investment risks, and reduce dependency on any single financial market.

 
 

EFFICIENT ETFS

Mutual funds are commonly used as the investment options within retirement plans.   However, our retirement plan program uses Exchange Traded Products (ETPs), such as Exchange Traded Funds (ETFs), offering you and your employees valuable benefits: 

 
 

INTELLIGENT INVESTMENTS

 

We have access to the broadest possible universe of investments and have complete independence to select an investment lineup that is best for your plan.  Our investment choices are offered by industry-leading financial institutions – we are not a fund family or insurance company.  Further, we partner with globally-recognized financial institutions to hold, or custody, your plan assets. Plan participants have three methods of investing their individual accounts, offering significant flexibility:

 

1. PARTICIPANT MANAGED

2. PROFESSIONALLY MANAGED

3. QUALIFIED DEFAULT INVESTMENT ALTERNATIVE


EMPLOYEE EDUCATION


We deliver personal service, on-site employee education, employee
enrollment support, and individualized consultations.  Our team focuses on all
aspects of the financial planning process, with the goal of helping each employee
meet their financial goals.

 
 

 


RETIREMENT INCOME PLANNING

TAX PLANNING

INVESTMENT PLANNING

HEALTH & LONG-TERM CARE PLANNING

LEGACY & ESTATE PLANNING


PROVEN PROCESSES
 

The regulatory environment is evolving, thereby increasing your responsibility as a plan sponsor.  Are the hassles and burdens of your existing plan keeping you up at night? The good news is that our administration provider steps up to the plate, and takes responsibility and ownership of following tasks:

 

FULFILLMENT SERVICES

Delivering the never-ending information to your plan participants is no longer on your to-do list.


COMPLIANCE

Manage your compliance requirements ensuring your plan stays current with the regulatory environment

TECHNOLOGY & REPORTING

Streamline your operations and provide instant
access to the data you need.


PLAN DESIGN

Identify which plan features will help you make the
most of your plan, such as maximizing your plan
contributions thereby minimizing your tax burden. 

 

Investors should carefully consider the investment objectives, risks, fees and expenses before investing. For this and other important information please obtain the investment company fund prospectus and disclosure documents from your Advisor. Read this information carefully before investing.