The Financial Guys

401k Planning

401K Planning For Small & Medium Sized Businesses

Elevate your small to medium-sized business with our specialized 401(k) planning services. Our focus within workplace retirement contribution planning is to provide you with platform access, plan design, support, and ultimately execution of your goals. We work exclusively for you.

Our Professionals Are Here To Guide You

Our team can help simplify the complexities of 401(k) management, offering comprehensive plans designed to optimize benefits for both employers and employees. Take the hassle out of retirement planning and start planning for the future for your team

Our Approach:
Company 401K investment planning

Does your company have a dedicated employee with 401(k) experience focused on managing your employee retirement plan? If not, you should consider working with a corporate retirement savings strategist. A retirement plan advisor specializing in 401(k) plans can help you and your employees get the most out of their plans. Our retirement planning services and platform are designed to give you the peace of mind that your plan is being administered properly.

Current 401K Plan Analysis/Report Card

We benchmark the fees, services and participation metrics of your plan against similar plans using industry leading research. This service satisfies the fiduciary obligations under both ERISA and the new 408(b)(2) fee disclosure rules.

Plan Design Consulting

Provisions can make a big difference in whether your plan maximizes the contribution and tax-related benefits available. We will work closely with the provider’s administration to ensure that all available aspects of plan design are considered.

Assisting in Investment Policy Statement Design

You can minimize your fiduciary liability by implementing an IPS, outlining a detailed, prudent plan of action for the plan’s investment managers and advisors to follow. It describes the plan’s investment philosophy, risk tolerance and long-term goals to help guide decisions made regarding the plan.

Ongoing Plan Reviews

We review your plan operational metrics such as participation levels, deferral percentages, loans, non-discrimination testing, enrollment and communication services. We also prepare a performance analysis of investments utilized by the plan. In addition, we monitor funds selected by the plan sponsor for style drift and correlation with fund investment objectives stated in the IPS.

Managing Employee Communication and Investment Education

We believe that coordinating enrollment meetings and providing ongoing investment education for participants regarding plan options is a valuable part of our service. That’s why we will be available to your employees by phone and in person for individual consultation. If enrollment and/or education teams are necessary, we will coordinate those efforts.

Customized Financial and Estate Planning for Employees.

We educate plan participants about distribution alternatives, provide retirement cash flow analysis, and consult with retirees regarding investment asset allocation.

“Our best work always begins
with a simple conversation”

Contact Us!