401(k) Retirement Plan Advisors
Our 401(k) advisors safeguard your business and empower your employees.
Complete Financial Wellbeing
The health of your business is directly connected to the health and wellbeing of your greatest asset: your people. The stress employees feel over their finances impacts both their productivity and their personal lives. If they aren’t working with a retirement plan advisor, they are 50 percent less likely to be on track for their retirement goals. We provide your employees with the personalized support they need to understand their options, make smart choices, and get on the path to financial peace of mind.
Most retirement 401(k) plan advisors don’t have an investment philosophy. That’s why many employer-sponsored retirement programs burden employees with choices they don’t understand, or limit plans to those with high fees. As a wealth management firm, we are focused on protecting and maximizing our clients’ retirement savings. Our 401(k) plan advisors offer simplified investment options that minimize plan costs and provide fee transparency, with a goal of increasing retirement outcomes for your employees.
In recent years, many retirement plan sponsors have been exposed to employee lawsuits over high fees and poor investment options. We have always operated as a fiduciary to our 401(k) clients—acting in your best interest is a hallmark of our commitment to transparency. As an ERISA 3(38) investment manager, we reduce your liability by taking on investment selection, monitoring, and replacement within your retirement plan, giving you an extra layer of legal protection.
Conflicted advice in the form of undisclosed fees and revenue sharing costs Americans almost $17 billion a year. We are a 100 percent fee-for-service firm, which means our retirement plan advisors never get paid to sell you anything. By taking commissions out of the equation, you get honest, conflict-free advice. No over-hyped investments and no hidden agendas.
Employers can reduce risk and streamline the operations of their retirement plan by sweeping small 401(k) accounts of former employees.
Independent retirement plan benchmarking allows you to maximize the value of your benefits package while mitigating fiduciary risk.
The IRS generally declares a partial plan termination when 20 percent of participants separate from service through layoffs, severance, or termination.
The CARES Act permits retirement plan sponsors to make qualified coronavirus-related distributions available to plan participants.
A retirement plan fiduciary advisor proactively manages the plan sponsor’s obligations and benchmarks the plan every 2-3 years.
The SECURE Act, broadly aimed at retirement security, introduces new provisions impacting both individual investors and employers overseeing 401(k) plans.
Most advisors in the retirement plan industry won’t take on full fiduciary responsibility because they are afraid of the liability that comes along with it.
Simply giving plan participants a mutual fund lineup and some Morningstar profiles does not amount to serious retirement plan education for employees.
Whether you have a specific question, or you’re interested in learning more about how our approach could be tailored to your situation, we’d be happy to hear from you. Please feel free to be in touch in whichever way works best for you.