BUSINESS RETIREMENT PLANS

Design and Manage retirement plans to maximize owner value.

1. Company Retirement Plan services

2. Plan Design, investment advice and participant service

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

Plan Selection

Because we understand the ins and outs of different kinds of retirement plans, we are able to accurately match particular plans with your specific goals. The plans we recommend include:

  • Profit sharing plans
  • Defined benefit plans
  • 401(k) plans
  • IRAs (individual retirement accounts)
  • SEP (simplified employee pension) plans

By understanding your business and your goals, we can quickly pinpoint plan providers and administrators that are the best fit for you. We also help design your plan so that it's tailored to your requirements.

Employee Education and Advice

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.
At Antolino & Associates, we proudly serve as our clients' advocate in both selecting a retirement plan and making sure that it's used to its maximum benefit.

401(k) | 403(b) | Profit sharing | Defined Benefit | MEP | Executive Compensation

At Antolino & Associates, our goal is to help you manage a successful and cost-effective retirement plan that helps you attract and retain valuable employees and helps prepare them for life in retirement. You can rely on our experienced advisors to:

  • Understand the complex retirement plan marketplace
  • Consistently track industry trends
  • Continually educate ourselves and our clients on the latest legal and regulatory standards
  • Strive to consistently place the best interests of your plan and its participants first

Retirement Plan Consulting Services

We address your needs across all aspects of plan operations—including plan conversion, service provider changes, investment menu updates, vendor benchmarking and employee communications. And we meet the needs of participants by providing plan enrollment and 401(k) rollover assistance, objective insights on investment allocations, and ongoing employee education.

Plan Search Support/Vendor Analysis

We can assist you with the preparation, distribution and evaluation of Request for Proposals, finalist interviews, and conversion support.

  • We are both vendor and investment neutral which allows us to act as true independent consultants.
  • We work with industry-leading retirement plan services providers and plan administrators to help meet a broad range of retirement plan needs.

Benchmarking Services

We provide you with comparisons of Plan data (e.g., regarding fees and services and participant enrollment and contributions) from the Plan’s prior years and/or a benchmark group of similar plans. With access to sophisticated investment tools and objective research, we are able to examine a broad range of providers and generate detailed reporting and comparisons.

Assistance Identifying Plan Fees

We help you identify fees and other costs borne by the Plan for investment management, recordkeeping, participant education, participant communication and/or other services provided with respect to the Plan.

Our comprehensive Retirement Plan Consulting Services include:

  • Assistance with Investment Policy Statement preparation and review
  • Investment Monitoring and Recommendations
  • Changes in Investment Options
  • Qualified Default Investment Alternative
  • Performance Reports
  • Plan Search Support/Vendor Analysis
  • Benchmarking Services
  • Identifying Plan Fees
  • Plan Committee Education
  • Plan Participant Enrollment and Education
  • 404(c) Assistance

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

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.

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.

Relationship. Creativity. Leadership.

We strive to be the best advisors in the world, for YOU. We can only do that by understanding your dreams, hopes and ambitions better than anyone else. If you know you better than anyone else, we can see solutions no one else can.
Start Here

Help Dreams Happen

logo

Stay informed.

Invalid Input

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.

PLEASE NOTE: The information being provided is strictly as a courtesy. When you link to any of the web sites provided here, you are leaving this web site. Kestra Investment Services, LLC makes no representation as to the completeness or accuracy of information provided at these web sites. Nor is Kestra Investment Services, LLC. liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, web sites, information and programs made available through this web site. When you access one of these web sites, you are leaving our web site and assume total responsibility and risk for your use of the web sites you are linking to.

Copyright © 2024 Antolino & Associates, Inc. | Powered by AdvisorFlex®.