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ROTH 401(k)

The Missing Link

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A plan sponsor's paramount responsibility is to ensure the effectiveness and compliance of their 401(k) plan. In light of evolving regulatory landscapes, technological advancements, and participant needs, revisiting best practices can help safeguard the interests of both sponsors and participants. See my article on the Three Best Practices 401(k) Plan Sponsors Should Revisit Today.

Our first priority is help mitigate the risks that a business owner faces when they manage their own 401k plan. The DOL has been busy writing New Rules & Regulations redefining the role and responsibilities of a fiduciary. All of the Risk is On You, the Employer...

If you're not Offering a ROTH Option, You're Missing the Boat

The focus on fiduciary responsibility and plan governance is reaching critical mass due to increasing regulatory scrutiny and legal challenges faced by 401(k) plan sponsors. The Department of Labor (DOL) has intensified its oversight of retirement plans, emphasizing the need for prudent management and transparency. Recent lawsuits have highlighted the importance of monitoring investment options and fees to protect against fiduciary breaches. Litigation is likely to increase over time, and by enhancing governance practices, sponsors can mitigate legal risks and ensure compliance with evolving regulations, ultimately safeguarding participants' interests and trust.

Participation Should Increase

You’re backed by a team of experienced Due Diligence professionals who research and monitor every investment we offer. The team watches allocations and rebalances model portfolios when needed. If and when it’s time for a replacement, the team will research and present their recommendation. Keep in mind, if you don't currently have a 3(38) Investment Manager, all of the responsibility and liability is on the employer.

Due Diligence Services Include: 

  • Investment policy statement
  • Annual investment review
  • ERISA 404(c) protection
  • Qualified Default Investment Alternative (QDIA) selection

BENEFIT TO PLAN SPONSOR:

Reduce fiduciary responsibilities and 3(38) liability related to investment selection and monitoring.

BENEFIT TO PLAN PARTICIPANT:

A range of model portfolios and mutual funds that are researched and monitored by a team of due diligence professionals.


Client Centered

Who Wants to Make Less Money

Quality investments are high on a Plan Sponsors’ wish list. We  offer an investment lineup for a range of plan participant needs and financial goals.

Whether you’re starting a new plan or updating an existing one, we can offer institutional share investments normally exclusive to big company plans:

  • Risk-based portfolios
  • Target-date portfolios
  • Faith-based and Socially-responsible portfolios
  • Stand-alone funds representing diverse asset classes including:
  • Large-cap, Small-cap, International Stocks, Bonds, Alternatives

BENEFIT TO PLAN SPONSOR:

Institutional quality investments for their employees and access to high-net-worth solutions for themselves.

BENEFIT TO PLAN PARTICIPANT:

Access to professionally managed, low-cost model portfolios — or the option to build their own.

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