You've worked hard to build your business. It is equally important to
save for retirement and help your employees secure theirs. Whether you
are a one-person firm or the owner of a company with a small number of
employees, an effective retirement plan offering, such as a 401(k) Plan,
can be beneficial to you and your employees.
A 2004 study by Deloitte & Touche discovered that 66 percent
of employees rank the adequacy of their employer's retirement plan as
the top factor in measuring job quality, while 85 percent of employers
ranked cost control as their top priority. Not surprisingly, only 20
percent of small companies offer retirement plans while 80 percent of
companies with 100 or more employees offer them according to a 1997
Bureau of Labor Statistics report.
Shrewd employers understand that robust retirement benefits can
increase employee productivity, morale and retention—and even prove a
key recruiting tool.
Have you have been thinking about establishing a plan, but were too
busy or felt the task was over burdensome? Do you currently have a
retirement plan set up for your organization that is either managed
in-house or by a financial services firm, but are not happy with the
nature of the relationship, results, or seemingly exorbitant fees? If
the answer to either question is yes, then our firm is exactly what you
need.
Our Offerings
Our firm offers 401(k), Simple IRA, Individual 401(k), Our firm
offers 401(k), Simple IRA, Individual 401(k), SEP-IRA plans, and other
profit sharing plans and retirement offerings. Using our firm to manage
and oversee your retirement plan has many benefits including:
Convenience
Our firm provides:
all of the forms to
establish and maintain the retirement plan accounts for your
organization and each participant,
timely, accurate, and
easy to digest client reports produced by Advent Software's Axys®
portfolio accounting and reporting system,
on-site individual
one-on-one counseling sessions as well as 24-hour account access via
toll free telephone or internet,
and expert advice on
selecting and tracking investment options—mutual funds, stocks and
bonds.
Investment Options
The U.S. and world financial markets are unpredictable and can prove
treacherous without a well-defined investment strategy along with an
active and experienced investment manager to execute it. Every investor
has unique goals and specific objectives, but, at a minimum, everybody
wants to achieve a return many multiples greater than the annual rate of
inflation to protect the purchasing power of your money upon retirement.
(See the graph below)
Accordingly, to meet each plan participant's needs, we design
investment strategies using the following three investment options:
Mutual Funds
According to a 2002 study by Ibbotson Associates
there are more than 10,000 mutual funds in existence. We help cut
through the confusion which is inherent in a crowded marketplace and
assist you in figuring out which fund classes to be invested based
on your asset allocation needs and which individual funds within the
classes will produce the most favorable results. Additionally, we
only recommend no-load, no transaction fee mutual funds. (See chart
below)
Fund Type
Ten Year Average Return
Morningstar Rating
Money Market Fund
3.11%
**
Intermediate Bond Fund
5.20%
***
Large-Cap Blend
2.55%
***
Large-Cap Growth
7.71%
*****
Mid-Cap Blend
7.53%
****
Small-Cap Blend
9.35%
****
Equity Precious Metals
24.50%
***
Foreign Large Growth
7.98%
****
Stocks
Our equity portfolio seeks long-term capital
appreciation by investing in the common stocks of well established,
large capitalization U.S. companies. We believe the key to a
successful portfolio lies not in its individual securities, but in
how they interact as a group. Our quantitative based approach
utilizes proven mathematical models to create a well balanced
portfolio that maximizes the risk and return relationship.
Bonds
Our fixed income portfolio seeks a high level of
current income and capital safety by investing in a diverse mix of
high quality debt instruments. While bonds are by no means
risk-free, historically, due to their fixed payment structures, they
have offered lower risk than other investment vehicles such as
equities.
