THE SEASONED GUIDANCE your company's retirement plan needs


How We Serve

Our Process forBuilding your plan

We strive to optimize your defined contribution, defined benefit or profit sharing plan by focusing on these four key areas – fiduciary governance, plan design and administration, employee engagement, and investments. At the start of our relationship, we will set objectives and track each as time goes by.

Fiduciary Governance
  • Understand standards, laws and trust provisions
  • Diversify assets to specific risk/return profiles
  • Prepare an Investment Policy Statement
  • Use prudent experts (i.e., professional money managers) and document due diligence
  • Control and account for investment expenses
  • Monitor the activities of prudent experts, investments and service providers
  • Avoid conflicts of interest and prohibited transactions
Plan design and administration

We will conduct an audit to assess your current service provider or create a new one that reflects your company philosophy and needs. We will also conduct an analysis of your plan provider. To compare different plan providers, we look at fees, services and investments. It is important to remember that it is not just about the lowest fees, but the balance of cost and features provided. Our analysis can help us negotiate lower fees, a new investment lineup and enhanced services. We will also advise you on your fiduciary status, roles and responsibilities and offer our guidance.

Employee engagement

To help employees save for their retirements, employee engagement is key. First, we develop an employee education policy to determine goals, establish metrics and measure success. We then conduct education meetings to disseminate general plan information and financial planning guidance. Finally, we will evaluate any needed revisions to education after a designated period of time.


We will help draft or review your Investment Policy Statement, implement it in coordination with your provider and help make any revisions as needed. We will also review your investment menu and help ensure it is aligned with your plan philosophy, and provide ongoing reporting to monitor its progress.

A crucial aspect is the Qualified Default Investment Alternative or QDIA, which refers to the default investment option within a plan. Our team can conduct an analysis to determine philosophy, analyze options, review the platform and provide ongoing monitoring.

These guidelines were developed based on the 1974 ERISA, MPERS Act and Uniform Prudent Investors Act to provide fiduciaries with a disciplined and documented approach to successfully manage their investment fiduciary responsibilities.

Raymond James is not affiliated with and does not endorse the above companies.
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