My Markets

Consulting Services

On occasion businesses, not-for-profits, individuals, and families require less of a hands-on approach and more guidance in their journey. Consulting services accomplish exactly that goal. These services can be as specific as a one-time financial plan, a quarterly investment allocation on their company 401(k) plan, or more broad as a one year agreement. Many corporations will use this service as an employee benefit to their 401(k) plan. A CERTIFIED FINANCIAL PLANNER™ certification has been the standard of excellence for financial planners. CFP® professionals have met extensive training and experience requirements, and commit to CFP Board's ethical standards that require them to put their clients' interests first. That's why partnering with a CFP® professional gives consumers confidence today and a more secure tomorrow. Having a CFP® examine the 401(K) plan and help employees make investment decisions can reduce fiduciary risk for the employer. Some individuals or families may want annual snapshots of their progress so they have the option to hire us on a short-term basis or one-time fee, this type of client/CFP® relationship may be limited due to its short term nature, it is not intended to be a long-term, hands-on focused arrangement, but it is a great way to ensure your plan snapshot is on the right track from time to time. 

Defined-Contribution Planning

Corporations that have employee benefits, particularly 401(K) or 403(b) plans usually have a need to navigate the different areas. Those areas include but are not limited to; Processing loans, understanding pricing and fees of your plan, investment selection and monitoring, participant enrollments, employee education, answering employee questions, new legislation, annual testing and filing, and most importantly, any litigation that could occur because the plan sponsor did not fulfill the duties of the plan for a number of different reasons. While nobody expects you as the plan sponsor or HR representative to understand all of the ever-changing rules surrounding a defined-contribution plan, the law does expect you to follow the rules set forth. In this case, having a CFP® professional is important to manage the day to day operations of the plan and to handle issues that may arise. Often, participants do not know where to turn for advice on what is likely to be the majority of their nest egg in retirement. Having a CFP® on board to help with these employees allows the plan sponsor to do what they do best and that is grow the business. Our defined contribution services cover all of these aspects and more.