We use a third party to analyze all the plan investments. This scoring system ties directly to the Investment Policy Statement that we have signed as a committee. We have the process of putting funds on a watch list and eventually replacing them if needed.

We get our hands dirty in areas that other advisors do not want to go. We help with student debt, help with credit, work on getting overall debt in order, discuss college savings, emergency funds, social security, and offer complimentary consultations. We have a website, focusonfinanceliteracy.org, dedicated to our mission of helping people understand money.

Getting the plan document correct is one of the most important parts of the plan process. We work with many plans and see many different options. We help guide you to develop the plan that is right for your employees.. We will make sure the document is an extension of your vision of the perfect plan.

We always hear that the fees have to be reasonable in light of the services offered. As plan fiduciaries, we make sure that our fees are always in line. We will discuss those fees at all committee meetings, and we will cap our fees once our hourly rate is met. We do not keep making more money based on increased plan assets.

What do capped fees mean? It means that we have an amount per plan that we need to make to be profitable. As soon as we reach that amount, we cap our fee so that no more is charged beyond that fee. We have all the fees spelled out to show our committee members. We are plan fiduciaries, and we take that role very seriously.

We not only help plan participants retire, but we help company owners transition to retirement. Sometimes that transition can take on many different forms. We help guide those conversations for “what’s next”. View Key Man Definition

We do not sell any product, so we do not have any specific provider that we must use. We look at your plan, your interests, and our knowledge to help guide the committee to the best provider option. Sometimes the plan can stay right where it is and just make some adjustments, but sometimes a change is needed. We work with you to decide which is best for your situation.