Expertise, Service, Care

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Expertise-With over 60 years of combined experience and over 100 Retirement Plan clients of varying sizes and industry, we have the expertise you need on retirement plans, with a strong focus on corporate 401(k) and 403(B).

Service-We are not in sales; we are in service. That is what we deliver to our clients each day, and pride ourselves on our high touch client relationships.

Care-Our practice decided to focus on working with retirement plans because we know the importance of getting it right. We care about the success of our clients and participants and believe in the power of helping with the huge task of preparing for retirement.

Retirement Plan Service Model

Investment Consultation

  • 3(21) services
  • 3(38) services
  • Investment menu design, screening and selection
  • Design and implement Investment Policy Statement (IPS)
  • Investment Committee guidance and/or training
  • Investment monitoring and watch lists
  • Qualified Default Investment Alternative selection
  • Provide customized risk-based or time-based allocation models
  • Target Date fund due diligence and glide path analysis
  • Managed accounts considerations and selection
  • Outside brokerage account advisement and management

Plan Design Consultation

  • Different plan types (Cash Balance, Profit Sharing)
  • Plan provisions (Employer contribution options, auto-enrollment, auto-escalation, Roth, QDIA)
  • Business tax considerations, coordinate plan design with business tax professional
  • Integrating other financial wellness options (Health Savings Account)
  • Investment philosophy (active management, low cost, etc.)

Plan Health and Benchmarking

  • Regular benchmarking of all service provider fees and duties
  • Regular benchmarking of plan success statistics against peer group
  • Vendor proposals and selection process

Plan Governance

  • Assist with forming and monitoring plan documents
  • Oversight of compliance
  • Vendor management and issue resolutions
  • Fiduciary resource for plan sponsors
  • Review of Summary Annual Plan Report
  • Plan and participant fee disclosure guidance
  • 5500 filing support

Participant Engagement

  • Enrollment meetings
  • Financial wellness education
  • Roth vs. pre-tax consultation
  • One-on-one participant consultations
  • Rollovers (in and out of plan)
Retirement Plan Consulting Group

Investment and Insurance Products are:

  • Not Insured by the FDIC or Any Federal Government Agency
  • Not a Deposit or Other Obligation of, or Guaranteed by, the Bank or Any Bank Affiliate
  • Subject to Investment Risks, Including Possible Loss of the Principal Amount Invested

This information is intended for use only by residents of (AZ, CA, CO, CT, DE, FL, GA, IL, KY, MA, MD, ME, MO, MT, NC, NH, NJ, NY, OH, OK, PA, TX, VA, VT, WA). Securities-related services may not be provided to individuals residing in any state not listed above. Please consult with the FA as s/he may not be registered in all states.

For parties residing outside of the U.S., this information is: (i) provided for informational purposes only, (ii) not and should not be construed in any manner as an offer to participate in any investment or to buy or sell any securities or related financial instruments, and (iii) not and should not be construed in any manner as a public offering of any financial services, securities or related financial instruments. Products and services listed may not be available, or may have restrictions, depending on client country of residence.

Investment products and services are offered through Wells Fargo Advisors Financial Network, LLC (WFAFN). Wells Fargo Advisors is the trade name used by Wells Fargo Clearing Services, LLC and WFAFN, Members SIPC, separate registered broker-dealers and non-bank affiliates of Wells Fargo & Company. Any other referenced entity is a separate entity from WFAFN.

Insurance products are offered through nonbank insurance agency affiliates of Wells Fargo & Company and are underwritten by unaffiliated insurance companies.

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