We provide all the services you need to offer an attractive retirement plan to your employees.
Plan Formation and Compliance
We consult, educate and help the employer-plan-sponsor to select a plan to attract and retain employees. If the employer has an existing plan, we can review documents to ensure they are up-to-date with regulatory requirements, and maintain them going forward.
We keep employers informed of regulatory changes that might affect their plan, recommendations on how to respond to regulatory changes if needed, and provide various regulatory notices that must be given to participants such as the Summary Annual Report (“SAR”). We conduct compliance testing annually to make sure the plan complies with regulatory requirements and prepare Form 5500 filings for electronic signature and submission.
As investment advisor we help to select the investments available for the plan. We are not restricted or limited to any family or group of mutual funds; we use an open architecture approach to select the best of the best in the various investment categories from the entire universe of mutual funds. We use low-fee, no-load, non-proprietary funds and avoid funds that impose penalties for short-holding periods.
Plan Trustee and Administration
We fill the role of plan trustee, custodian and record-keeper. As non-discretionary trustee we help the employer-plan administrator to process enrollments, contributions, investment buys and sells, distributions, rollovers to the plan, and other day-to-day responsibilities and submit tax reports.
As custodian of the plan, we hold investments and handle all investment transactions such as trades and the processing of dividends. As record-keeper of the plan, we update valuations daily, and account for participant holdings and balances.
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Sunset, Artesia, NM
Photo by J. Miller