Broker Check

Corporate Retirement Plans

Does Your Company Have The Right Retirement Plan?

If you own a company or are in a leadership position, then the retirement plan that your company chooses not only affects the company and employees, but you personally. Selecting the wrong type of plan could limit your contribution levels and affect your tax situation and retirement planning. Additionally, you can be held personally liable if your employees aren’t treated fairly under the plan.

There are countless types of retirement plans on the market, and many financial advisors do not have the expertise to help you select the right plan for your company and provide the ongoing support and fiduciary service required by law.

At JFL Total Wealth Management, we are dedicated to helping business owners and executives improve the effectiveness of their retirement plans. Through our proprietary Gold Medal Retirement Plan Service, we provide custom solutions and informative, educational opportunities to ensure that owners, management, and employees are on the right track for their retirement.

Through this tailored approach, we also have a unique ability to help clients improve their fiduciary processes and responsibilities. We are an advisor to the plan trustees and the employees, and we do not have the discretion to make decisions without employer authorization. By acting in a Fiduciary capacity, we will always disclose any fees we received or any conflicts of interest.

The Gold Medal Retirement Plan Service includes:

 Your  
 Firm 

  JFL  

Investment "Watch Dog" Service

Year-long, continual monitoring of your investments

Independent Advice

Recommendations regarding positioning of funds within your employer provided retirement plan.

Development of an “Investment Policy Statement” to be used by trustees and advisors to guide the direction of the plan (optional)

Investment Options

Mutual Funds and Stocks

Managed Accounts

Corporate Bonds

Annuities

Life Insurance

Semi-Annual Reviews

Comprehensive review of your returns for the trustees (2x per year)

Employee meetings to educate employees. (2x per year)

Retirement Review- for members preparing for retirement

Comparison of returns to benchmarks.

Free consultations with your third party administrator

Staying up-to-date on and presenting new tax laws and retirement plan legislation

Plan Design

Plan Type Review- SEP, SIMPLE, 401(k), 403(b), Defined Benefit, Money Purchase etc.

Plan Design and Analysis- Age Weighted, Social Security Integrated, New Comparability

Non-Qualified Executive Retirement Plans (Deferred Compensation, Executive Bonus, etc.)

Comparative analysis of retirement plan vendors

Client Services & Communications

Weekly email market updates

Special reports on how to reduce your taxes and other important topic

Quarterly Newsletter detailing our firm’s research, analysis and view of the current state of the investment markets

Educational Workshops- on topics like Social Security, Market Updates, Tax Planning, etc.

 

Fee Disclosure - Our investment advisory charges for managing your plan are fully disclosed and are part of the expenses in the investment options within the plan.

Fiduciary Standard - We act as a 3(21) fiduciary where we make recommendations on funds, monitor investments, provide employee education and assist the employer in meeting all their requirements. We are an advisor to the plan trustees and the employees and we do not have discretion to make decisions without employer authorization. We will always disclose any fees we received or any conflicts of interest.

We know that you likely already have a plan in place, but that doesn’t mean that it’s the right plan. If you have any doubts about your retirement plan, we would be happy to meet with you and provide a general review to help you understand potential issues that you may have with the existing plan or if your plan has been set up correctly.

We would love to meet with you in our New Jersey office. Remember, even if you already have a financial advisor, a second opinion never hurts. Feel free to contact us using the form or call our office at (973) 439-1190.



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