Retirement Plans Designed with Purpose.

Built to serve the needs of small and medium sized business, our 401(k) fiduciary advisors prioritize helping your company and employees take full advantage of the benefits of a corporate retirement plan.

  • We take a total approach to helping employees maximize their 401(k) experience. From cultivating an effective investment menu to educating and assisting employees with their daily financial concerns, your employees well being is our primary objective.

  • We work to ensure your plan fees are reasonable and help create and maintain fiduciary documentation. By assisting plan sponsors in the often complex rules and regulations surrounding retirement plans, we free them up to see the bigger picture.

  • A retirement plan should operate like a finely tuned machine, however, we know that is often not the case. Testing issues, plan design concerns, payroll integrations, and employee questions can all make 401(k) plans difficult to manage. We help streamline the process of administering a 401(k) plan and identify areas where processes can be improved.

  • Whether you need a second opinion on your current plan or are looking to launch a new plan, we’re here to help. Whatever your need, we can be of assistance, or at least point you in the right direction of someone who can.

Your employees deserve an exceptional partner.

And they matter to us. We are built on the foundation of prioritizing your employees, understanding their needs, and partnering with you to craft a retirement plan that can help them build a stronger financial future.

Creating and administrating a 401(k) plan can be extremely complex. Pointer Financial Group has deep expertise in retirement plan design, administrative support, and investment due diligence.

Let’s get to work.

A properly structured 401(k) plan is instrumental in recruiting and retaining employees. With virtually unlimited plan choices, designing the right plan for your employees is equal parts art and science.

  • Retirement plans are an essential tool for tax reduction. Are you optimizing your tax benefits?

  • Fiduciary responsibilities and requirements can be difficult to navigate. Are you confident that you’re not only following the rules, but maintaining the necessary documentation?

  • Expenses can quickly compound. Are you taking the necessary steps to negotiate and minimize plan fees?

  • Complicated investment menus can lead to paralysis by analysis. What are the best practices in creating a simplified but high performing investment menu?

Pointer Financial Group is a retirement plan specialist that understands the complexities of managing a variety of corporate retirement plans. We’ll help you minimize the hassles and maximize the possibilities of your business’s 401(k) plan, Cash Benefit Plan, Simple Plan or Non-Qualified Plan and tailor that plan to you and your employees’ specific needs and goals.

  • Fiduciary support

    • Partner with qualified fiduciaries to outsource your fiduciary obligation

  • Investment due diligence

    • Create a diversified and understandable investment plan menu

  • Plan design and optimization

    • Make sure your plan fits your organizational goals and culture

  • Plan administration support

    • Ensure your plan runs smoothly without overwhelming your staff

  • Employee financial wellness

    • Year-round concierge support and on-site employee meetings

  • Supplemental benefits

    • Executive compensation packages that go beyond the 401(k)

Here’s How We Can Make a Difference. 

As retirement plan specialists, we have a thorough understanding of the options available to you, and we’re focused on matching your goals with the right plan to help you:

  • Recruit: Be competitive with peer companies and stand out from the crowd

  • Retain: Financially successful employees become happy and long-term employees

  • Reward: Profit sharing and executive benefits can create a culture of ownership among your employees

  • Improve your bottom line: Maximize tax and financial incentives available to plan sponsors

  • Increase plan participation: Financial wellness and education help employees recognize the value and benefits of your plan

  • Gain peace of mind: Reduce your liability and understand your fiduciary obligations

  • Save valuable time: We operate as your single point of contact for all plan questions and administrative support

  • Maximize efficiency: Keep plan cost low and time spent managing your plan to a minimum

What Should Your Plan Be Doing For You?

Questions we frequently help clients answer.

The details involved in sponsoring a 401(k) plan can be complicated and confusing. We can help you save time and get more peace of mind by answering questions like these:

  • How do we improve employee participation in the plan?

  • Do we have the right investments?

  • Does our plan need an investment policy statement and what should be in it?

  • What are my fiduciary responsibilities?

  • Should a 401(k) plan have revenue sharing or fee levelization?

  • How can a plan be designed to improve plan testing?

  • What are the different plan design options for a safe harbor plan?

  • What is the difference between a 3(16), 3(21), and 3(38) fiduciary?

  • Are there other options besides a 401(k) plan?

Not all 401(k) advisors are alike.

  • Advisors who serve corporate retirement plans spend countless hours understanding the intricacies of these plans and stay up to date on the frequently changing rules and legislation around them. Many retirement plan specialists also carry special designations such as Accredited Investment Fiduciary (AIF®) or Chartered Retirement Plans Specialist (CRPS®). These designations indicate that an advisor has received a certain level of training and experience, maintained regular continuing education, and adheres to a rigorous code of ethics and standard of conduct.

  • Similar to the medical or legal field, it helps to have a specialist with the training and background to handle all the moving parts of your corporate retirement plan. A specialist will stay up to date on current legislation, have the experience to address a wide variety of concerns, and guide your retirement plan best practices. Additionally, a retirement plan specialist will have resources and technology specialized for the job.

  • Most business owners have a trusted advisor for their personal wealth, but not all wealth managers are retirement plan specialists. Part of your fiduciary obligation in sponsoring a retirement plan is making prudent decisions about the partners you hire to help oversee your plan. Finding the right partner might mean looking beyond your personal network and finding an advisor with the background and resources to most effectively guide your plan.

  • When hiring an advisor for your 401(k) or other retirement plan, it’s important to understand their experience and qualifications for advising on retirement plans. Look for an advisor who has broad experience working with 401(k) plans and who currently advises on plans that are similar to your company’s plan. Understand the tools and technology they use and what resources they have to support your employees. Finally, you’ll want to know the team behind your advisor and who your day-to-day contact will be for any and all plan questions.

Employee engagement: We want your employees to succeed as much as you do.

Personalized Concierge Service

Enrollment Support

Live Webinar Educational Resources

Need-To-Know Email Updates

In-Person One-On-One Assistance

Planning Support for Those Preparing to Retire

Best of all: We’ll help give your workforce the security that comes with building a stronger financial future

Schedule a consultation today!

Call 414-286-9309

or email info@pointerfg.com

Call for a no-cost fee benchmarking, investment review, or second opinion of your plan.