Financial Advisor Pension Consultant Boston

  • I work with your retirement plan’s administrator to build or update your investment policy statement (IPS).
  • Build a template for your company’s 401(k) or not-for-profit 403b based on your investment policy statement that produces plan-specific investment recommendations and reports as well as fee and compliance reports all of which are now required by the government. 
  • Be there when you need me — for enrollments, the continuing education of the employees, and quarterly and yearly fiduciary reviews.
  • I provide investment advice to plan participants, encourage them to take an online risk profile assessment that we can use to help them re-balance their accounts or allocate their contributions.
  • For companies without a retirement plan, I size up and help implement the one (401(k), Profit-Sharing, 403(b), SIMPLE, or SEP) that works best for your company.

* The purpose of the IPS is to setup guidelines for the portfolio or retirement plan.

Read more: 404(c) Retirement Plan Compliance

Recent Articles for Employers

Retirement Plan Sponsors the DOL Makes Plan’s More Transparent

By: Financial Advisor Tim Hayes AIF®, CRPS®, AWMA®, CFS®, APMA® - posted in: Employers - Last updated Aug 21, 2019

Retirement plan sponsors it’s time to reconnect with financial advisors and participants. As the DOL followed through on its promise to make retirement plans more transparent with 3 new rules in 4 years.

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The 2015 Fiduciary Proposal: A Retirement Ruckus

By: Financial Advisor Tim Hayes AIF®, CRPS®, AWMA®, CFS®, APMA® - posted in: Employers - Last updated Aug 21, 2019

A dispute is embroiling the financial services industry. On one side are the broker-dealers and the Chamber of Commerce. On the other are President Obama and various consumer groups. If the government wins, it will affect 401(k) plans, as well as Individual Retirement Accounts (IRAs)..

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What the New Department of Labor (DOL) Fiduciary Rule Means to You

By: Financial Advisor Tim Hayes AIF®, CRPS®, AWMA®, CFS®, APMA® - posted in: Employers - Last updated Aug 21, 2019

The Fiduciary Rule applies mostly to private sector retirement plans, such as 401(k)s, SEPs, SIMPLEs, and 403(b) plans that fall under ERISA. The administration believes the rule is needed because conflicts of interest are causing 401(k) participants and IRA owners to pay higher fees, resulting in smaller account balances.

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