A good retirement plan (401Ks, Profit Sharing plans, Defined Benefit plans, SEP, SIMPLE IRAs etc) can help you attract and retain top talent. A well-designed plan can take things further – it can help cut costs, minimize ERISA/DOL compliance costs while helping to maximize employee value. To create such a plan, we use a consultative approach that can help with:

Plan Governance / Fiduciary Compliance
Plan Design Features / Investment Advice
Provider Benchmarking
Owner / Executive Benefits and Executive Compensation Plan can help a business compensate key employees and help retain many of these highly sought after employees.

This information was developed as a general guide to educate plan sponsors, but is not intended as authoritative guidance or tax or legal advice.  Each plan has unique requirements, and you should consult your attorney or tax advisor for guidance on your specific situation.  In no way does advisor assure that, by using the information provided, plan sponsor will be in compliance with ERISA regulations.

We help build distinctly different diversified portfolios that cater to different investor needs:

• Tactical:  For clients who prefer an actively managed portfolio with a focus on long-term growth targeting downside risk management and taking advantage of growth opportunities.
• Income & Growth:  For clients looking for more predicable returns in a volatile market with tax-sensitive needs.
• Socially Responsible Investing:  For clients who want to put their money to work for them while doing good for the world and staying true to their values.
• Exchange Trade Funds:  For clients who are sensitive to the tax ramifications and volatility in the overall stock market over the long term.
• Stock based:  For clients who really like knowing and seeing the companies they own and are comfortable with a more focused equity position.

No strategy assures success or protects against loss.  There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.

ETFs trade like stocks, are subject to investment risk, fluctuate in market value, and may trade at prices above or below the ETF's net asset value (NAV). Upon redemption, the value of fund shares may be worth more or less than their original cost. ETFs carry additional risks such as not being diversified, possible trading halts, and index tracking errors.

Socially Responsible Investing (SRI) / Environmental Social Governance (ESG) / Biblically Responsible Investing (BRI) investing / Faith Driven Investing (FDI) has certain risks based on the fact that the criteria exclude securities of certain issuers for non-financial reasons and, therefore, investors may forgo some market opportunities and the universe of investments available will be smaller.