A 401k program is an essential benefit that you can provide for your employees, allowing them to save for their future retirement while also fostering employee loyalty and longevity. At S&K Financial and Insurance Services, we know it isn’t easy to manage a retirement plan. You have a business to run. We’re here to help you set up a new 401k program and manage it.
For most businesses, the problems are clear and overwhelming:
- Complying with retirement plan regulations
- Adhering to fiduciary responsibilities
- Paying reasonable fees
- Offering competitive funds
- Preparing participants to retire when you need them to retire
How We Can Help
For most businesses, the problems are clear and overwhelming:
- Complying with retirement plan regulations
- Adhering to fiduciary responsibilities
- Paying reasonable fees
- Offering competitive funds
- Preparing participants to retire when you need them to retire
While you’re focused on that, you’re not focused on other aspects of your business. That’s where we come in.
At S&K Financial and Insurance Service, we are your financial advisor. We help you better protect plan fiduciaries from liability, while enhancing your investment opportunities, plan design, and assisting participants in achieving financial security. All the things you don’t have time to do on your own.
Our advisory services include:
- Investment Analysis and Target Date Fund Evaluation
- ERISA 3(21) and 3(38) Capability
- Fee, Service and Investment Benchmarking / Provider Search
- Committee Support and Ongoing Fiduciary Training
- Proactive Employee and Participant Educational Support
- Courageous Retirement Plan Design Consulting
- Account Management and Ongoing Plan Administration
- Financial Wellness Programs
- Online Document Portal
Are you in the hospitality or club business?
We have worked with a national retirement plan provider to create a retirement program with clear benefits for your organization and your employees:
- Reduce costs for both employees and employers
- Reduce administration time for your HR department
- Streamline investment decisions and monitoring for your committees
- Help reduce the fiduciary liability for plan fiduciaries
- Improve employee engagement and participant savings and investment habits.
How are we able to do this?
- Pricing has been negotiated so that plans of all sizes benefit. You won’t miss out on savings because you’re a smaller organization
- You will have a single point of contact for your questions, concerns and proactive account management. No more spending wasted time figuring out who to turn to for answers.
- All required notices and disclosures will be distributed directly to eligible employees and participants as required, saving you money, time and more importantly, shouldering this administrative burden and fiduciary responsibility.
- You’ll have access to a structured plan design that maximizes participant retirement income through automatic features, while still accommodating specific plan preferences.
- The fiduciary responsibility of investment menu selection (including Target Date Funds), ongoing monitoring, and fund replacement decisions and actions no longer rests squarely on your shoulders because it’s delegated to a 3(38) investment manager.
- Your employees will have access to an award-winning website, mobile app, along with on-demand videos, presentations and onsite educational resources to help them maximize their investment benefits.
Not only do you offer a better 401k for your employees, you reduce the time and money you’ve spent managing your old plan. You’ll have experts in your corner, helping you meet your fiduciary responsibilities while also relieving the stress that comes with effectively managing an investment plan. Your job is to manage your organization, and this benefits plan lets you get back to doing what you do best.
Contact S&K Financial and Insurance Services to learn more about our 401k programs and how we can help you.
Retirement Plan Advisory Services provided by Fiduciary Advisors, LLC. Securities offered through Kestra Investment Services, LLC (Kestra IS), member FINRA/SIPC. Investment advisory services offered through Kestra Advisory Services, LLC (Kestra AS), an affiliate of Kestra IS. Kestra IS and Kestra AS are not affiliated with Fiduciary Advisors, LLC, ISU S&K Financial and Insurance Services, Inc., or any other entity referenced within this website. Kestra IS, Kestra AS, Fiduciary Advisors, LLC, ISU S&K Financial and Insurance Services, Inc. and any affiliated companies, employees or representatives do not provide tax or legal advice. CA insurance License: 0E92296. Finra’s BrokerCheck. Registered Representatives and Investment Advisor Representatives of Kestra IS and Kestra AS may only conduct business with residents of the states and jurisdictions in which they are properly registered. Therefore, a response to a request for information may be delayed. Not all products and services referenced on this site are available in every state and through every representative or advisor listed. For additional information, please contact the compliance department of Kestra IS and Kestra AS at (844) 553-7872. If you have further questions or comments, please contact Fiduciary Advisors, LLC at (949) 851-6498 or email us at support@fiduciaryadvisors.biz.
