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Employer Retirement Plan Strategies

Our approach is to partner with Plan Sponsors and their existing retirement plan, including 401(k), 403(b), and deferred compensation plans, to develop an employee benefits program that seeks to provide high quality financial guidance to employees and help them maximize their retirement benefit plans.

  • We work with you to understand your current retirement plans and where necessary, recommend upgrades
  • We deliver plan and investing education for all of your employees
  • We provide fiduciary education to plan sponsor and plan trustees

Employer Preparedness

The process that is developed for your company can help understand the fiduciary liabilities that employers are faced with today.

As you may know, both you and your business may be liable under ERISA law if you fail to carry out your fiduciary responsibilities for your company provided.

Provisions in the Pension Protection Act of 2006 provide protections for employers who auto-enroll participants in a qualified default investment alternative, such as a managed account, provided they meet certain requirements.

We will work with you to further your fiduciary and retirement plan knowledge, and build educational programs for your employees.

Our Core Plan Level Services Include:

  • Investment Due Diligence Analysis
  • Investment Policy Statement Review
  • Vendor Searches and Fee Benchmarking
  • Annual Review of Plan Design Features
  • 404(c) and 404(a) Fiduciary Guidance: 401(k) Safe Harbor

Our advisers can act as 3(21) investment fiduciaries.

Employee Education

Employee Preparedness

Beyond Education: Although education is important, it often is not enough. Many retirement plan participants have received no personal investing education beyond a general educational seminar on how to structure their retirement plan portfolio and often as a result, they do nothing.

Today, participants are faced with challenging markets and too many choices making it increasingly difficult to understand the value of their employee benefit plan. Often, this can leave them unable to make sound financial decisions that will help themselves and their family.

We will work with employees within every level of the organization to develop and maintain a personal financial plan that evolves with them through the various stages of their life.

Our Core Employee Services Include:

  • Group Meetings: Annually, Semi-Annually, Quarterly
  • Financial Triage: Risk Profile and Goal Setting Session
  • One-on-one Investing Education
  • Employee Hotline
  • Annual Reviews

Employee Retirement Need Planning

We help you, the employee, start preparing for retirement security by bringing our knowledge of financial counseling into the workplace.

Whether you’re just starting out in your career or approaching retirement, we provide education that can help you determine the most appropriate investment allocation for your individual situation taking into account your investment goals, time horizon, risk tolerance, and anticipated retirement need.

We can help you answer that often asked question… “how much do I need to retire?” while educating you on the benefits of contributing to your employee retirement plan.