BUSINESS RETIREMENT PLAN DESIGN

Design and Manage retirement plans to maximize owner value.

Corporate Retirement Solutions

A well-chosen retirement plan is one of the most valuable benefits that business owners can provide--both to themselves and to their employees. We provide the guidance to help you choose a plan that will build and protect wealth most efficiently and cost-effectively.

Plan Selection

Employee Education

We also provide education to help employees make the most of the plan you've chosen to provide. And our advisory services are available to help individual clients reach investment goals within their retirement accounts. Our guidance includes:

Asset allocation: How to diversify your portfolio across asset classes to help achieve your goals with the least possible risk.
Investment recommendations: We provide guidance about choosing individual funds and other investments within your asset allocations.
Rebalancing: Market changes and other factors can push your asset allocation from its original balance. We monitor your portfolio and recommend periodic rebalancing to ensure you maintain an optimum mix of investments.

We proudly serve as our clients' advocate in both selecting a retirement plan and making sure that it's used to its maximum benefit.

Profit sharing plans
Defined benefit plans
401(k) plans
IRAs (individual retirement accounts)
SEP (simplified employee pension) plans
SIMPLE IRAs
Solo 401k
403b
Non-Qualified Plans
Cash Balance Plans

Our Business Consulting Division was created to provide independent advice to businesses seeking to maximize the success of their company retirement plans and group benefits.

Employer Retirement Plans

We help your business to identify and create an effective employee retirement plan that serves the needs of both the employer and the employee. These needs may include:

Employers (Plan Sponsors)

Meet fiduciary obligations and limit liability
Utilize the retirement plan as a recruiting and retention tool
Streamline the investment selection and monitoring process
Keep fees and expenses clear and reasonable

Employees (Plan Participants)

Need a way to save money for retirement
Select investments to meet their needs
Enhancing the retirement readiness
Improving retirement

Our Process

We provide our clients with advocacy and service from plan concept to implementation.

Plan Design

The foundation for an effective retirement plan starts with a solid plan design strategy. Plan design covers everything from investments to record-keeping to compliance and communication. We strive to make sure that a design framework exists to avoid any unnecessary difficulties later.

We are often asked to review existing plans managed by other firms; unfortunately, we have run across issues that could have been easily avoided with proper plan design. WealthSpring have staff dedicated entirely to qualified plan design and service. Our expertise can produce maximum satisfaction for provider and participant alike.

Vendor Evaluation

We employ an independent and proactive approach to help clients manage fees, maximize vendor services, and provide suitable investment choices. To do this we stay on the cutting edge of the retirement plan industry. We utilize our own competitive analysis, independent third party vendor research companies, and go straight to the source by meeting with vendors directly.

If you already have a vendor, then we can quickly and easily validate your decision to remain with them, or present you with reasons why it may be in your best interest to make changes. We provide comprehensive plan conversion assistance if you ultimately decide to change retirement plan vendors.

Investment Analysis and Documentation of Investment Policy Statement

Clients are able to leverage the power of the entire WealthSpring Team during the investment selection process. Our Investment Committee provides you with a comprehensive approach to investment selection. Key features include:

Investment Analysis – evaluate investments using an in-depth quantitative and qualitative approach
Rank Investment Funds – objectively without any pressure
Asset Allocation Assessment– provides diversification opportunities for participants
Investment Policy Statements – to help plan sponsor meet fiduciary duties
Quarterly Market Summaries and Updates
Online Report Access

Development of an Employee Communication Strategy

Employers have an enormous responsibility to keep their employees informed. We help companies develop an Employee Communication Strategy that:

Helps the employer meet certain 404(c) requirements
Increases employee participation
Helps employees understand the benefits and value of the retirement plan
Promotes appropriate investment diversification
Increases employee elective deferrals
Lowers company exposure to fiduciary liability and participant litigation
Offers participants ongoing education about retirement planning

Enrollment Meetings

A plan cannot be truly successful without employee participation. Enrollment meetings provide a valuable opportunity to increase participation by highlighting the plan benefits directly to the employees. We will focus on this effort by coordinating and conducting the enrollment meetings and, if appropriate, secure the involvement of your service provider.

Fiduciary Compliance

A very large number of employers are not aware of the extent of their fiduciary responsibilities under the law. We help keep our clients aware of their obligations and notify them of changes to the Department of Labor, IRS and other applicable regulatory groups. We also provide ERISA 404(a), 404(c) and other compliance-related services.

Ongoing Plan Service

Our service does not end once your retirement plan is up and running. Our dedicated team remains involved on a continual basis. Some ongoing services include:

Reenrollment Meetings Annually
Annual Plan Review
Quarterly Performance Update
Review of Investment Policy Statement
Monitoring the Plan Vendor and Provide Suggestions as Necessary
Communicating Latest Industry Trends to Plan Sponsor
Support and Troubleshooting

On-Site Investment Seminars and One-on-One Financial Planning

Our clients desire to improve employee retention, satisfaction, and peace of mind. To that end, we offer access to qualified licensed professionals who provide private personal financial advice. Some areas that can be addressed in a review are:

Family Financial Protection
Retirement Investments
Non-Retirement Investments
College Planning
Income Tax Strategies
Budgeting
Life Insurance
Retirement Plan Rollovers
Asset Allocation Ideas

Client Feedback

We are always looking for ways to improve our service. We will always seek client feedback on all aspects of our service through written evaluation forms and interviews. We are always eager to implement changes from what we have learned.

Complimentary Company Review

We offer a complimentary review meeting to describe our services, and to see if our services are right for your business.

Let's Talk

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Securities offered through Registered Representatives of Kestra Investment Services, LLC, member FINRA/SIPC. Investment Advisory Services offered through Investment Advisor Representatives of AA Financial Advisors, LLC. Kestra Investment Services, LLC is not affiliated with AA Financial Advisors, LLC or Antolino & Associates, Inc. Investor Disclosures. To Check Firm or Individual Backgrounds please go to FINRA's BrokerCheck.

This site is published for residents of the United States only. Registered Representatives of Kestra Investment Services, LLC and Investment Advisor Representatives of AA Financial Advisors, LLC may only conduct business with residents of the states and jurisdictions in which they are properly registered. Therefore, a response to a request for information may be delayed. Not all of the products and services referenced on this site are available in every state and through every representative or advisor listed. For additional information, please contact Kestra Investment Services, LLC Compliance Department at (844) 553-7872.

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