Broker Check

Corporate Retirement Plans

OUR APPROACH

As professionals with many years of experience in corporate retirement plans, our role is to serve as your company’s advocate – helping you connect your goals with the resources you need to accomplish them.
We offer comprehensive services for a variety of defined contribution plans, including 401(k) Plans, Employee Stock Ownership Plans (ESOPs), Profit Sharing or Stock Bonus Plans, 403(b) Plans, and Simplified Employee Pension Plans (SEPs)
Our approach is based on a business model supported by three core pillars: Simplicity, Focus and Balance

1. Simplicity 
We do the work for you
Evaluate your current retirement plan, a process that includes identifying places where you may be paying hidden and unnecessary fees
Vendor benchmarking
Maximize tax benefits
Protect you and your company’s fiduciaries from unnecessary litigation
Write a Request for Proposal (RFP) and analyze proposals to make sure you obtain the best solution
Monitor your plan investments
Educate and motivate your employees to participate

2. Focus
Results, not procedures
Think of us as one of your employees — one who just doesn’t happen to have an office on site
Our expertise is in helping you get the results you want, and helping you understand the complex rules and regulations
We sit on your side of the negotiating table to find the best retirement plan solution for your company
Once your plan is implemented, we monitor it regularly to make sure it continues to meet your company’s goals over time
That leaves you free to focus on what you do best: running your business

3. Balance
Like many business owners, you are likely concerned about plan costs
Often, we are able to uncover places where you are paying unnecessary expenses and use that money to reduce your plan’s future expenses and cover other plan fees
Our Retirement Plan Diagnostic is conducted at the outset of our relationship and then on a regular basis to determine if there are opportunities for cost savings or program enhancements. This allows us to identify strategies and elements that may have been overlooked or not kept current.

OUR PROCESS

Part of our value to you is our capability to deliver significant resources with focused solutions based on your company’s needs.

Through our years of experience working with corporate retirement plans, we have acquired a broad-based knowledge of pricing and plan providers across multiple platforms.

This enables us to offer a comprehensive suite of services and allows us to guide you in making smart, objective decisions in a wide range of areas, including:

1. Retirement Plan Diagnostic
2. Retirement Plan Design
3. Fiduciary Shield
4. RFP Manager
5. Education Experience
6. Wealthcare Monitor

FOCUSED SOLUTIONS

Part of our value to you is our capability to deliver significant resources with focused solutions based on your company’s needs.

Through our years of experience working with corporate retirement plans, we have acquired a broad-based knowledge of pricing and plan providers across multiple platforms.

This enables us to offer a comprehensive suite of services and allows us to guide you in making smart, objective decisions in a wide range of areas, including:

RECORDKEEPING
TECHNOLOGY SERVICES
EMPLOYEE COMMUNICATIONS
COMPLIANCE
INVESTMENT MANAGEMENT
COST ANALYSIS

FIDUCIARY GUIDANCE

CFOs, CEOs, Presidents and other fiduciaries have personal liability for assets in the company’s retirement plan. The following chart provides an example of fiduciary considerations required of plan sponsors by two ERISA regulations passed in 2013. Additional regulations are currently being considered by Federal legislators.

To help you comply with these and other ERISA rules, we provide fiduciary guidance and tools to help you reduce your exposure to fiduciary liability.

ERISA 408(b)(2)

  • Fiduciary Duties
  • Investment Policy Statement (IPS)
  • Quantitative & Qualitative Fund Analysis
  • Prudently Select Investments
  • Consistently Implement Results
  • Independently Monitor Investments
  • Defray Reasonable Expenses
  • Follow Plan Document

ERISA 404(a)(5)

  • Protection for Participant Investment Decisions
  • Broad range of Investment Options
  • Sufficient Investment Information and Education
  • Description of Fees and Expenses
  • 404(a)(5) Policy Statement and Employee Notice
  • Copy of prospectus
  • Description of Investment Alternatives and Funds
  • Voting and Tender Rights (if applicable)

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