401K Setup

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A properly structured 401(k) plan is instrumental in recruiting and retaining employees. With virtually unlimited plan choices, how can you design the best possible plan for your employees?

  • Retirement plans are an essential tool for tax reduction. How can you optimize your tax benefits?

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

Pointer Financial Group is a retirement plan specialist that understands the complexities of managing a corporate retirement plan. We’ll help you minimize the hassles and maximize the possibilities of your business’s 401(k) plan, tailored to your and your employees’ specific needs and goals.

Creating and administering a 401(k) plan for your employees is important — and complicated. We can help.

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  • Fiduciary support

  • Investment due diligence

  • Plan design and optimization

  • Plan administration support

  • Employee financial wellness

  • Supplemental benefits

Here’s how we can make a difference. 

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

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

  • Retain: Financially successful employees become long-term employees

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

  • Improve your bottom line: Maximize the 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 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

Do you know all your options?

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:

  • 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?

Questions we frequently help clients answer.

Not all 401(k) advisors are alike.

  • Advisors who serve corporate retirement plans spend countless hours understanding the intricacies of corporate retirement plans and staying up to date on the frequently changing rules and legislation around retirement plans. Many retirement plan specialists also carry special designations such as the Accredited Investment Fiduciary (AIF®) or Charted 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.

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We want your employees to succeed as much as you do.

Unparalleled access to our financial professionals year-round

  • Multi-faceted engagement through personalized service, webinars, one-on-one assistance, enrollment, and our need-to-know e-mail service

  • Best of all: We’ll help give your workforce the security that comes with building a stronger financial future. And that’s good for everyone.

Schedule a consultation today! Call 414-286-9309 or email info@pointerfg.com

Are your plan fees reasonable? Call for a no-cost fee benchmarking review of your plan.