It is well documented that financial stress is escalating among U.S. workers, and the current Covid-19 pandemic is not helping matters. The health of your business is directly correlated to the health and well-being of your employees. Employee financial stress impacts their productivity and their personal lives. As an employer you are the solution to helping alleviate employee financial stress.

By working with one of our experienced retirement plan consultants you’ll be introduced to WellCents. Designed for employers of all sizes who want to support their employees’ financial wellness journey, WellCents provides a foundation for goal setting, as well as educational material to enhance your employees understanding of retirement planning strategies. With WellCents, your employees – regardless of compensation or savings level – will also have access to personal financial planning support to assist them in achieving their retirement goals.

As an independent financial consulting firm we're able to deliver unbiased recommendations and impartial guidance based directly on your needs and goals. Our retirement consultants are not employees of an investment company nor financial services firm - we are an independent business. Our indepencence allows us to operate in a completely transparent manner that best serves our clients.

As fiduciary advisors, our experience has shown time and again that many companies that sponsor retirement plans do not understand their fiduciary responsibilities and liabilities and have been exposed to employee lawsuits over high fees and poor investment options. 

Our fiduciary review provides a thorough evaluation of the main areas of your plan to determine if excess fiduciary liability exposure exists. We mitigate liability by regularly monitorgin plan documents, the invesmtents (using our proprietary scoring system) and benchmark the plan. All meetings are documents and the reports and minute are archived. ERISA requires that fiduciaries understand their responsibilites and to help our clients we provide structres, documents fiduciary education. All reports, documentation, education, and meeting notes are stored securely online in our client's Fiduciary Briefcase.

Most retirement plan advisors don’t have an investment philosophy let alone a dedicated integrated technology portal designed to minimize plan costs and provide fee transparency with the goal of increasing retirement outcomes for your employees. Our premier integrated technology management platform allows our retirement plan consultants to offer understandable, simplified investment options that minimize plan costs and provide fee transparency. Our goal is to protect our plan fiduciaries and engage their plan participants to reach their retirement income potential.

Our core integrated technology solutions include:

• Scorecard System  - our proven process to research & evaluate fund managers and investment strategies
• B3 Provider Analysis - our integrated benchmarking & RFP reports that enable you to evaluate your plans, fees, services and investments
• PLANavigator - allows us to construct effective plan design while displaying long-term costs
• Fiduciary Fitness Program - our ERISA Fiduciary Educaton Moduls
• Fiduciary Briefcase - our online portal housing meeting summaries, compliance documents, newsletters and so much more
• Plan Asset Link - our system to seamlessly sync your plan-level information to our portal
• TDF Analyzer - our system uncovers the best-fit Target Date Fund glidepath by examining your plans demographics, objectives and participant behavior
• Advisor Compensation Benchmarking Calculator - our calculator provides best-practices fee ranges on the specified services delivered to your plan
• WellCents - our platform provides all employees – regardless of compensation or savings level – access to financial planning support to assist them in achieving their retirement goals

A White House Study “The Effects of Conflicted Investment Advice on Retirement Savings” released in February, 2015 found that: 

• An estimated $1.7 trillion of IRA assets are invested in products that generally provide payments that generate conflicts of interest. Thus, we estimate the aggregate annual cost of conflicted advice is about $17 billion each year.

As a 100% fee-for-service firm our retirement plan consultants are not paid to sell you something. We believe that by eliminating commissions our retirement plan consultants can deliver conflict-free advice.