Leader of 401(k) process
We will work with business owners and leaders for direction, and then assist all the involved parties in implementing the 401(k) improvements. Our experience in coordinating large projects is extensive.
Expert, unbiased advice for Business Sponsors and employees
We explain to business leaders so they understand all the options. We are not restricted to one product or vendor so we can assist you in receiving the best solution at the greatest value.
Understand Business Owner, CEO, CFO and HR and employees’ goals and needs
We understand you are working with limited resources and organizational constraints while trying to maximize the value of employee benefits. We will listen and help you find the benefits solution that suits your specific situation and competitive needs.
Generally business leaders have the largest 401(k) plan balances. If there are excessive hidden fees or poor investments, the business leaders’ own assets and retirement funds significantly underperform and underachieve.
We are enthusiastic advocates of your plan and we understand that employees span a wide range of perspectives and risk appetites. We tailor an appropriate solution that addresses diverse employee needs with easily understood choices. We collaborate with employees to help them pick choices that best suit their needs.
Registered Investment Advisor, the appropriate credential for complete guidance.
The proper qualification for giving investment advice. Our obligation is entirely to the client. We serve as either a limited plan fiduciary or more extensive ERISA 3(38) Investment Manager fiduciary.
Broker/Dealers and Registered Representatives are not legally allowed to give individual investment advice. In addition they have hidden commissions and regulatory restrictions on many of their 401(k) actions. Ask their compliance expert for a list of their restrictions.
Clear fees, no hidden costs
Our fees are straight forward, invoiced quarterly. These are frequently MUCH lower than Registered Representatives’ costs after accounting for unnecessary, hidden commissions. Depending on your goals, the costs can be allocated to the employer, employees, or both.