Supporting Plan Sponsors and Participants

We’ll handle the heavy-lifting so you can focus on your business.

Services we proudly provide for you:

  • Our participant education model starts with inviting, relevant and timely group presentations. However, we know from conducting thousands of one-on-one meetings, that our confidential sessions are the most impactful for your employees.

  • We know this is one of the most challenging, frustrating and time-consuming tasks associated with your Retirement Plan. Stop struggling, let’s talk about automation and efficiencies.

  • As a named co-fiduciary our best-interests are aligned directly with yours. We’ll ensure your investment menu is screened and monitored quarterly using robust, independent software measuring both quantitative and qualitative data.

    3(21) Services

    Section 3(21) of the Employee Retirement Income Security Act (ERISA) is related to investment advice. As a 3(21) advisor we’ll provide investment recommendations for your plan’s fund menu. As the Trustee you ultimately retain the right to accept or reject these recommendations.

    3(38) Services

    As a 3(38) advisor we’re taking on a greater level of fiduciary responsibility relative to a retirement plan’s investment menu. As a 3(38) Registered Investment Advisor we’ll actively select your fund menu, monitor it quarterly and replace investments as needed at our discretion. Utilizing our 3(38) service outsources the investment menu management taking this important role off the trustee’s hands.

  • Having a detailed process is the first, and most critical, step towards compliance. Our monitoring process helps ensure you’re fulfilling your fiduciary duties and adhering to all aspects / provisions of your retirement plan.

    The Department Of Labor (DOL) requires you as the Plan Sponsor to benchmark your providers at least every 3 years. We can do better. We’ll take this work off your plate conducting a full scope plan review annually.

    We’ll evaluate your plan’s design, services, fees, funds and providers (including ourselves as your advisor) to ensure your plan exceeds the most stringent standards.

  • Change is the one constant. In December, 2022 “SECURE ACT 2.0” was signed into law. Needless to say, it has generated a LOT of plan design / provision questions. We have the answers. We’ll help ensure your plan is always compliant with the all rules and best practices, and that it’s aligned perfectly with your participant needs and goals.

A successful retirement plan helps you recruit and retain your most valuable asset: your employees.

We believe all Americans, regardless of age, income or title, have an inherent right to an enjoyable retirement. We work directly with your employees to create a personalized, action-oriented road map showing them how to turn their retirement dreams into reality.

Your participants are in good hands. We increase financial literacy so you don’t have to.

topics we’ll cover:

    • Understanding how the plan works: ROTH, matching, vesting, eligibility, etc…

    • Promoting Financial Wellness

    • Timely investment topics.

    • Why you should enroll.

    • How to enroll.

    • Enrollment: Contribution and fund selection counseling.

    • Comprehensive retirement readiness assessment.

    • Household budgeting.

    • Hands-on rollover support.

    • Loan / distribution counseling.

    • Unlimited access for all participants, any time.

    • Employees will have direct phone and email support for future financial coaching.

Financially confident employees are less stressed, more productive and contribute to a more optimistic workplace sentiment.

The importance of financial wellness

Your employees care … a lot:

90%

…of participants feel financial wellness and retirement programs are “important benefits”. They consider both when deciding whether to stay with their current employer or consider a new opportunity.*

60%

…of Americans report “some”, or a “great deal” of stress when it comes to their finances.**

85%

…of Plan Sponsors feel compelled to offer a financial wellness program, yet only 40% currently offer one.*

providing financial confidence:

  • Establishing a household budget.

  • Creating an emergency fund.

  • Saving for retirement.

  • Understanding debt and credit score.

  • Managing family income risk through disability and life insurance.

  • Contributing to your HSA.

  • College savings (529 Plans).

Why financial wellness matters to you as a plan sponsor:

When your employees are financially stable, they’re less likely to derailed by unexpected hardship and more likely to retire on time, confidently.

We’d be honored to help you establish or refine your company’s approach to Financial Wellness.

*According to the 2023 JP Morgan “Retirement Insights” survey.

**According to the 2022 TIAA “Financial Wellness” survey.