About Retirement Plans

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.

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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:

1. 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		N/A
   Intermediate Bond Fund	6.81%	****
   Balanced Fund	11.13%	****
   Small Cap Value	11.43%	***
   Mid Cap Blend	12.35%	***
   Large Cap Growth	10.74%	****
   Large Cap Index	12.07%	***

   
   
2. 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.
   
   
3. 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.