We're not brokers, bankers, or insurance reps. As an SEC Registered Investment Advisor, we're held to a higher standard. We accept fiduciary responsibility to provide independent, conflict-free advice and the assurance of full disclosure and transparency.
Our 401k advice services are fee-based, with no commissions or other hidden administrative fees, so more of each employee's salary (and your matching funds) goes toward retirement. When we cut plan expenses by 20-50 percent, employees have more money for retirement.
Our Fiduciary Responsibility and Management Evaluation (FRAMESM) process provides a top-down, end-to-end analysis of your 401K program and your specific goals and objectives. It also uncovers the true cost of your current plan and identifies provider conflicts or plan liabilities. This is critical information that, up to now, may have been hidden, and it points to options that represent better returns, lower costs and less risk. Then we can proactively work together to implement the right plan and investment options that fuel bigger dreams.
By partnering with 401K ProAdvisor, you and your employees receive real choices and real advice. Our independence affords employers over 20,000 investment options through leading custodians such as Matrix, Schwab, TD Ameritrade and Fidelity that we can customize for your workforce. Our advisors meet with your employees individually to pinpoint the investments that best align with their specific needs, goals and risk-orientation – objective advice that brokers and sales reps are specifically prohibited from providing.
Focus on running your business, and let 401K ProAdvisor improve and manage your 401K. We'll employ our proprietary BESTSMprocess – Benchmark, Evaluate, Select, Transform – for the seamless implementation to a more effective, better performing 401K. And, we make it easy on company staff, providing administrative services that normally fall to the HR Department. Along with our partners, we take the responsibility for record-keeping, enrollment notification, loan processing, employee enrollment and education, investment advice, reporting, ongoing communication, and investment liability. This leaves more time for you and your team to operate and grow your business.
Through our robust platforms, our clients get access to professionally managed models, the lowest cost institutional shares, Exchange Traded Funds (ETF's), Collective Investment Trusts (CITs) and Guaranteed Investment Contracts (GICs), and FDIC insured funds. Saving on investment expenses means more available for your participants.
When you partner with 401K ProAdvisor you gain access to a team of industry-leading professional advisors with the experience and the expertise to review your unique circumstances, analyze the options available and make best-practice recommendations. We are true fiduciary advisors, and under the Employee Retirement Income Security Act (ERISA) we meet the test of "prudent experts", a requirement when delegating responsibilities.
We are always actively seeking like-minded advisors to join our team and expand our practice and our outreach. Contact us to learn more.
