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My 401k Plan Advisor Services

Financial Advisor Tim Hayes CRPS®, AIF®, AWMA®, CFS™, CTS™, CES™, APMA®, CAS® 

I implement, manage, and service the retirement plans of companies and not-for-profits per the rules and regulations of ERISA and the Department of Labor (DOL). I also can install and manage group life and disability plans.

  • Provide investment advice to plan participants and encourgae them to take a risk profile assessment to rebalance their accounts or allocate contributions.
  • Build a template for your company’s 401k or ERISA 403b plan that produces plan-specific investment recommendations and reports and fee and compliance reports, all of which are now required by the government.
  • For companies without a retirement plan, I size up and help implement the 401k, profit-sharing, 403b, SIMPLE, SEP, Solo 401k that works best for the company.

Read More: Employer Report Card (PDF)

404c Compliance

Section 404(c) of ERISA requires plan sponsors to provide specific information and education to their employees. If a plan meets the requirements, the plan sponsor and other fiduciaries are not liable for an employee’s account losses.

Partnering with a credentialed, experienced, and independent financial advisor can help fulfill your requirements.

Read More: All Services

For example, Tim holds employee meetings on asset allocation, provides employees with risk tolerance questionnaires and asset allocation templates, and detailed information from Morningstar and Fi360 on the investment options in your plan.

Read More: 404c Checklist

404c can be a win/win for both you and your employees. You reduce liability, and your employees receive the tools to make better decisions, but it is an ongoing commitment.

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