Retirement Plans

Your plan, and how you manage it, increasingly is falling under intense scrutiny—not only from participants, but also from the regulatory bodies that are responsible for protecting participants’ interests.

As your partner, we can share much of this fiduciary responsibility with you, and implement a disciplined process to better manage your fiduciary obligations.

As your experienced partner, we will help you establish an investment strategy that fits the distinct needs of your firm and your employees. Our investment process includes:

Investment Policy Statement:
We assist you in the developing an Investment Policy Statement (IPS) that sets guidelines for making investment decisions.

Investment Selection:
It’s important to construct a well-balanced invest lineup that offers broad diversification across asset classes. We make investment recommendations based on a rigorous quantitative and qualitative evaluation process.

Continual Monitoring:
We conduct periodic investment reviews to check that performance and expenses remain consistent with plan and objectives.

Our status as independent retirement plan consultants enables us to provide your plan participants with what they value most—investment guidance to help them feel confident about the decisions they are making to pursue their retirement goals.

Participant education
We will work with your participants to:

• Explain the importance of retirement planning and the options available under the plan
• Determine their unique investment objectives, tolerance for risk, and time horizon
• Recommend an asset allocation model suited to their personal needs or goals, based on the investment options available under your plan

Custom communication programs
We offer a specialized approach to communication and can:

• Tailor a communication program that addresses your specific needs
• Deliver presentations on broader financial planning topics
• Conduct educational meetings in either group or individual settings

We take the time to understand your objectives and design a retirement plan program that helps to provide your employees with the greatest value and, to the extent possible, reduces your administrative responsibilities.

Specific areas we focus on include:

• Employer contribution strategies
• Evaluation of qualification and eligibility issues
• Compliance with legislative changes
• Support services to help simplify plan administration
• Optimal use of safe harbors, such as 404(c) and QDIA

Related Links:

401(k) Plan Checklist

The Impact of Automatic Enrollment on Future Retirement Accumulations

Independent and Objective
Our independent status means that we are not tied to any particular vendor or product, giving you access to a virtually limitless array of plan choices. With our fully transparent fee structure, you can rest easy in the knowledge that the advice we offer is objective, impartial, and aligned with the best interests of your firm and your plan participants.

All of this means that you can feel confident knowing that you have a partner whose primary focus is on helping ensure that your plan delivers the investment options, services, and overall value participants expect—leaving you free to concentrate on managing your business.