Retirement Plan Management

Retirement Plan Management

Vested Wealth Advisors offers the following approach to 401(k) plan management:

Specialized Focus

We specialize in working exclusively with small business retirement plans with less than 100 employees so we are able to focus more on what is important to the owner and the valuable employees of the business.

Objective Independence

The investment advisor to a retirement plan should be free from any real or perceived conflicts of interest, with no allegiance to any entity except its client - the plan sponsor and it's participants. Our firm “fee-only,” with the fees you pay as its sole source of income. We do not accept commissions, kickbacks, revenue sharing, or other forms of compensation thereby creating dangerous conflicts of interest

Prudent Investment and Policies

As your plan advisor should provide a prudent, legally sound, academically oriented, and cost-efficient investment process.  This process should be designed to protect both you and your plan participants. One way to help substantiate this capability is to ensure that your investment manager delivers a written Investment Policy Statement describing and documenting your prudent investment process

Customer Service Standards by Agreement 

A firm with the level of customer service you deserve should be agreeable to enter into a legally binding investment advisory agreement with you that acknowledges the firm's responsibilities in a clear and concise way, reviewed annually for potential updates

Excellent Participant Education 

Yes, an investor education component for participants is required by law (see Interpretive Bulletin 96-1; Participant Investment Education; Final Rule, issued by the DOL). But it also can be critical to successful retirement outcomes for your employees. By offering your plan participants the education and understanding needed to make sensible decisions for their retirement account, avoiding the return-damaging tendency to over-trade, you may well be offering your employees the most important benefit of all.  And, you can monitor the success of your investment manager’s educational program by determining whether it focuses on the investment behavior of plan participants as described above.

Credentialed, Hand's On Experience 

Qualified retirement plans are complex and the rules are always changing.  The advisor’s education, training and credentials should be directly related to retirement plan investment and management.  An advisor should be able to articulate and demonstrate how its expertise is a benefit to a plan sponsor and each plan participant. One (among other) respected credentials is that of the Certified Financial Planner® or CFP® practitioner.

To learn more about Our Process, click here.

To learn more about our Plan Sponsor Services, click here.

To learn more about Participant Counseling, click here.