Retirement Plan Solution​

Whatever your vision of the ideal retirement, you will need a long-term plan that ensures stable and sustainable income regardless of unexpected life events or market circumstances. If you are a corporate plan sponsor, we offer modern, lower-cost solutions to meet your employees’ goals and your fiduciary responsibility. We work with independent third-parties to provide record-keeping and third-party administration services to your plan. Our plans contain many of the latest plan design features, including auto-enrollment and auto-escalation, traditional and Roth 401(K) features, loans, etc. We work together with any necessary third-parties to make changes to an existing plan, or to design a plan from the ground up. We provide fiduciary investment advisor services to your plan, in accordance with ERISA section 3(38), and we accept our fiduciary responsibilities in writing. For participant-directed 401(K) plans, we have developed a prototype investment menu that we customize according to your preferences. Our prototype menu includes, and allows participants to choose from the following:

• Well-diversified, low-cost, professionally managed mutual funds across may asset classes, allowing participants to build an efficient and robust investment portfolio in the plan;
  
• Model portfolios that manage to a targeted level of investment risk
  
  • These model portfolios are built entirely with mutual funds available to the participants generally, and do not incur additional fees for managing the models
    
  • These model portfolios are rebalanced regularly to ensure they maintain their advertised levels of risk; and
    
• Target date funds (TDFs), that allow participants to make a single decision (the Target Date), and then allow the professional investment manager to maintain and manage levels of risk across time (as the Target Date approaches, and passes).

As fiduciary advisors to the plan, we are compensated only with fees from the plan. We do not accept any other form of compensation, including from any third-party financial firms for any reason, including for putting particular investments in our clients’ plans. We conduct initial and ongoing due diligence on the investment choices, and provide regular reports to plan sponsors on the activities and performance of their plans, including participant activity and utilization, performance, and the ongoing due diligence we perform on the plan’s investments.