Sit down and talk with us. We are more than willing to do a review of your current plan and the services you are receiving. Once we understand the source of your dissatisfaction, we can apply the remedy. It may be just tweaking your existing program with your current recordkeeper, or it may involve finding an alternative provider that satisfies your needs.

We believe you should revise your current plan in this order: Start by selecting an advisor, then select a provider (recordkeeper), and finally select the provisions of your plan. If you select us as your advisor, we can handle the entire RFP (Request for Proposal) process to find a provider, and walk you through the various provisions to improve a retirement plan. Working with us will significantly reduce the time you would be investing to make changes and increase the expertise along with the odds of making an informed and knowledgeable decision. We will oversee the conversion process and be there to provide ongoing monitoring and revisions.

Yes. We work with companies that have locations across the country.

We work with companies of all sizes.

Any investment-related plan for corporations, nonprofits, foundations or endowments including: 401(k), 403(b) and 457(b), profit sharing, money purchase, cash balance, defined benefit and nonqualified deferred compensation.

In addition to all types of retirement planning Raymond James has a full-service investment bank that can assist business owners with transition issues, an insurance division to help with key person and succession planning, along with a host of other programs to address nearly any financial need that may arise.

An advisor can either be paid from fees charged directly to the plan participants or plan sponsor, or from a portion of the investment management or servicing fee built into the pricing structure of a packaged product. In some cases, a combination of the methods may be used. You should expect your advisor to explain in detail how he or she gets paid and what functions will be performed to earn that compensation. We fully disclose all of our fees, and may be able to simply take over for your existing representative/broker/advisor/agent.

Fees and expenses are important subjects for plan sponsors and participants to be fully aware of, and by law, advisors and vendors must be forthright and transparent in disclosing.

As with many things, fees and expenses can vary depending upon the size of plan, complexity of services required, and vendor and investment selections. However, using the services of an advisor doesn’t necessarily mean that you will pay higher fees.

Helping you reduce your fees and expenses – even when dealing with a direct-sold provider – is just one benefit of using our expertise. In many situations the resulting savings to participants and/or the corporation can more than offset our fee for performing this service.

Yes. Many times, our compensation is already built in and is being paid to another advisor/agent/consultant/broker regardless of what services they are providing. We can review this arrangement with you before you or your company decides to do business with us.

Yes. With that knowledge in hand, you can compare our services with what you are currently receiving and make a decision based on what is best for you and your plan participants.

From ERISA, a person must act “with the care, skill, prudence and diligence under the circumstances then prevailing that a prudent person acting in a like capacity and familiar with such matters would use in the conduct of an enterprise of the like character and with like aims.” – ERISA 404(a)(1)(B). We can help you fulfill this requirement.

Yes. We help compare your recordkeeper to others in the industry to define the current market for plans that are comparable to your size. We compare the internal expense ratios of the investments in your plan to other categories. In summary, we benchmark everything. With that knowledge, it is easier to determine if your plan is reasonable.