Business Retirement Plans

Time, Expertise and Interest:
Do you have all three? We do!

Is your retirement plan's adviser a Certified Financial Planner™? Is he or she also a Registered Investment Adviser? Registered Investment Advisers must put their clients' interests first, whereas insurance agents and stock brokers are not required to do so. See: "Certified Financial Planner™ vs. Stock Broker: What's the Difference?"
Do you know what your fiduciary responsibilities are as an employer providing retirement savings plans?
Do you know if you are overpaying for services? Are you even receiving those services? What are you paying? Are you overpaying because you own the most expensive "class" of the mutual fund (see below for explanation of class shares)?
Does your current plan provider have a conflict of interest, perhaps pushing their own investment options over different and better ones?
Are your employees getting the training they need? Is it unbiased, objective training?
Are you confident that the investment options in your plan are the right ones? Do you know what types of stocks and/or bonds, etc. these choices are invested in?

You don't know what you don't know, and that can be expensive.

We provide our business clients with objective, unbiased retirement plan consultation because we are not aligned with any banks or insurance companies. The only company we receive compensation from is yours. We are different!

The structure of our plans is different because we design the plan to meet your needs, not the other way around.  We can select and manage virtually any investment option available, and we will provide those at the lowest cost available. Plus we provide the ongoing training your employees deserve, and we give you the peace of mind knowing that you are in compliance with your fiduciary responsibilities as a plan sponsor.

As referenced above, one of the ways we can save you money is by making sure you receive the investment options at the lowest cost available. You may not be aware that the expense ratio, or management cost of the same mutual fund is different depending on which "class" of fund is offered.  For example, the cost of a "C" class share of mutual fund XYZ may cost 50% more than the "A" class share of the same mutual fund XYZ! What's more, the cost of the "A" class share for this same XYZ mutual fund may be 30-40% higher than the "I" class share of the same mutual fund XYZ!  Why is this? So that the plan provider can make a lot more money from businesses, often without the business owner even knowing it!

Let us show you how to get the most out of your retirement plan.  Our services includes cost analyis of current plan, investment selection and management, employee training on the plan as well as other important financial planning topics, and fiduciary compliance with the Department of Labor.