Retirement Plan Sponsors
Assisting your employees in saving for a comfortable retirement is a valuable and competitive benefit in today’s employment market. Whether you offer the security of a defined benefit pension plan or the flexibility of an employee-directed, defined contribution plan, we can help you meet your fiduciary responsibilities as a strategic fiduciary partner and investment advisor.
Our seasoned investment professionals will work with you to understand participant demographics and behaviors, actuarial assumptions, your administrative needs, and liability modeling to help you create an appropriate retirement plan for your organization.
Applying our institutional investment manager due diligence process and documenting your policies and roles can also enhance the fiduciary management of your retirement funds in an approach that is specific to the unique needs of your organization.
Answering this question must include an examination of your employee base and an understanding of typical participant behavior to help keep complexity in check. Identifying investments that work well, in combination while acknowledging the different objectives of a diverse participant group, will form the basis for our recommendations.
Designing an investment line-up may include individual mutual funds, collective trusts, a participant-directed brokerage window, target date funds, and custom model portfolios to help simplify the participant decision-making process.
Our approach goes beyond the investment’s rankings and style to understand the appropriateness of the offering to your organization as well as the return potential. Recognizing that fees and expenses erode a participant’s long-term savings, we work closely with your plan administrators to negotiate expenses and share class availability.
Viewing your plan holistically, we understand the important role of the record keeper and participant education. Working closely with your provider, our institutional advisory experts can help you maximize participant offerings, so you can address their retirement readiness and keep your employee moving towards achieving their savings goals.
Our goal is to manage your funding level by maximizing investment returns within an appropriate risk budget. Whether you intend to continue operating your plan, freeze benefits or terminate the plan, our professionals will work with you and your administrator to establish appropriate strategies.