Service Guarantee

Our Service Plan is comprehensive and designed specifically with your needs in mind. To ensure that you receive the thorough servicing we promise, we will create a Client Service Plan, factoring in your specific criteria, your overall size, number of locations, and most importantly, your goals and objectives. Following are a few examples of the services we provide:

Investment Committee: We believe that the best Investment Committee is an educated Investment Committee. Therefore, we spend time at each committee meeting learning about pension plans. The topics covered vary from learning how funds are measured, new advances in the industry, changes in pension law, simple investment definitions, market cycles and technological changes.

Advice on How to Invest: Because we are licensed and registered investment representatives, we are able to offer employees full investment advice. This includes offering statistical information, fund reviews, investment allocation strategies and age appropriate portfolios.

Compliance Checklist: We will prepare an all encompassing compliance checklist. Over the course of a plan year, there are various deadlines by which information must be provided to the vendor and/or the IRS. Our compliance checklist simplifies the process, details what steps must be taken throughout the plan year and provides a timetable clearly identifying those due-dates.

Planning Meetings: We conduct review meetings with the plan administrator, as needed. At that time, we provide status reports on the investments, reporting, payroll, communication, compliance issues, and any other ongoing issues related to the account.

Fund Analysis: Our review process uses a combination of Sharpe composites, historical fund returns, and Morningstar ratings. Through our analysis, we rank investment options based on their performance and compare them to industry benchmarks. This quantitative approach also lets us flag investment options that may be under-performing so we can consider replacing them.

Employee Education: Education efforts are targeted to employee needs including description of the funds that are offered, their historical performance, complete plan provision explanation, loan and hardship withdrawal information, rolling over options and plan technology available.

On-Going Advice and Support: Our employee education is not a one-time specific event. We are accessible and available to your employees every step of the way. We are there to answer their questions, give advice and help resolve any problems or concerns.

Semi-Annual Full Plan Review: Aside from reviewing and analyzing the funds of the Plan on a semi-annual basis, we will review your Plan in its entirety making sure the fees of the Plan remain competitive, the Plan is adhering to the Investment Policy Statement, the Plan is up-to-date with all available technology, enrollment in the plan is satisfactory and all outstanding issues and questions are answered.