Help Keep Your Retirement Plan on Course

Fiduciary Management

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.

Vendor Search And Plan Fee Benchmarking

With us as your partner, you can choose from a virtually unlimited universe of providers-free from proprietary vendor or product pressures and conflicts of interest. We will help you select the provider that most appropriately fits the specific needs of your firm and your participants.

Managing vendor due diligence
Our customized Request for Proposal (RFP) process includes:

• Gathering data and pricing
• Analyzing costs, services, and investment choices
• Facilitating finalist meetings

• Monitoring of participation levels and performance
• Fee benchmarking and analysis against other vendors and plans
• Guidance on areas of improvement

Investment Expertise

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:

1. Investment Policy Statement - We assist you in developing an Investment Policy Statement(IPS) that sets guidelines for making investment decisions.
2. Investment Selection – It’s important to construct a well-balanced investment line up that offers broad diversification across asset classes. We make investment recommendations based on a rigorous, quantitative and qualitative evaluation process.
3. Continuous Monitoring - We conduct periodic investment review to ensure performance and expenses remain consistent with plan objectives

Participant Services

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

• 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

Plan Design

We take the time to understand your objectives and design a retirement plan program that provides 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