401-Ks

We work as an independent retirement plan firm. We do not work with any one company and will individually bid plans between different vendors as well as different actuaries.

Typical 401-Ks

  • Offered by payroll companies with reduced set up costs.

  • If offered by a salesperson, they usually offer one plan from whom they work for

  • 401-K funds added based on the owners selection or a standard list of funds without researching in a diverse selection

  • Most 401-ks don't offer a ROTH option

  • Most 401-K don't have preferential loan options

  • Most 401-ks don't offer self-directed funds allowing employees to take on their own risks and invest in what they want

Our 401-K Method

  • We bid the plan between different vendors for optimal options and costs

  • We set up ROTH 401-K options

  • We set up Self-Directed options to allow investments in over 40,000 options vs the usual 25 to 35 funds

  • We give unbias advice as to other non-401-K options that might better suit a company

    • Cash Balance Plans

    • Profit Sharing Plans

    • 412i Plans

    • Hybrid SIMPLE plans

While 401-K's have not only been the most oversold employee benefit, they have also been sold to certain companies that should not be using them.

This might seem odd that our firm, which does create and manages 401-Ks would make such a statement. However, we are fiduciaries and to the truest form, we want to make sure the right tool is used in the right situation.

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