Jim Harper

We provide consulting services to facilitate the design, implementation and monitoring of 401k profit sharing plans and defined benefit pension plans for small and medium size businesses. We also provide employee education to encourage participation and to promote successful retirement planning.

  • Plan Design
    What design is best for the owner, the company and the employees?
  • Tools Online
    help for your employees with retirement planning, diversification, risk assessment, goal setting, and asset allocation
  • Features
    Matching contributions, profit sharing, Roth, vesting schedule, loans, etc. Which options are right for your plan?
  • Investment choices
    Creating an investment menu that will appeal to all the participants
  • Administration
    Selection of a third party administrator to process enrollments, terminations and loans, file government forms, provide required discrimination testing and update your plan document as required
  • Enrollment
    Scheduling enrollment meetings and providing materials
  • Monitoring
    Updating and revising investment options as needed
  • Education
    Would your employees benefit from programs and resources to help them maximize the 401k, and plan for their retirement?
  • Fiduciary
    Assessment Are you fulfilling your regulatory obligations?

Your 401(k) Plan is Working - But Your Advisor is Not?

Sometimes your retirement plan can be working fine for the participating employees, but the staff employee you’ve assigned to handle the details isn’t getting much service from the advisor who helped you set up the plan initially.

Here are some signs to watch for:

  • The plan administrator/TPA communicates with your HR or accounting people frequently, but the investment advisor rarely offers any service
  • Your advisor doesn’t schedule annual plan review meetings
  • The investment lineup in your plan hasn’t been periodically analyzed to determine if additional funds may be needed or if any under-performers should be dropped
  • Your Investment Policy Statement hasn’t been updated for years
  • Your advisor doesn’t participate in enrollment meetings or offer employee education meetings

Sound familiar? It may be that you need a new advisor. You can keep your existing plan but align yourself with an advisor who provides you with these services. Call us – the switch is easy.