MUGC9028 MUGC8895_0809

Size: px
Start display at page:

Download "MUGC9028 MUGC8895_0809"

Transcription

1 MUGC9028 MUGC8895_0809

2 Retirement plans are complex. Selling, implementing and servicing them can be a real challenge for regional banks and trust companies with limited resources and strained bottom lines. That s why EPIC Advisors, Inc. and Mutual of Omaha have teamed up to provide simple, yet robust solutions for banks and trust companies to offer their small- and mid-sized clients. Increase Efficiency, Grow Revenue Combining investment options, fiduciary support and recordkeeping services into a single outsourced solution can save time and money. And it can allow you to offer your smaller clients the same features usually found only in the largest plans. Features such as: A comprehensive lineup with more than 50 prescreened investment options, including individually managed accounts, risk-based and target date asset allocation funds, and self-directed brokerage options F iduciary support, including product and investment oversight, plan sponsor guidance and a customized advice option for individual plan participants P ersonalized consultation through plan design and administration, participant education, recordkeeping, regulatory compliance and ongoing customer service Join Our Team You have the client relationships and understand their unique needs. EPIC Advisors brings a specialized suite of administrative and recordkeeping services. And Mutual of Omaha offers a wide variety of investment options, three levels of fiduciary support and personalized plan service. Together, we can create retirement plan solutions that will help you stand out in a crowded marketplace, serve a greater variety of clients, and grow your bottom line.

3 Mutual of Omaha s Retirement Product Mutual of Omaha is one of the most respected names in insurance and financial services. Through our subsidiaries, United of Omaha Life Insurance Company and Companion Life Insurance Company, we have one of the fastest growing 401(k) products in the industry.1 Institutional funds from a wide range of leading money managers, a unique three-tiered approach to fiduciary support, and actively managed account options for participants add up to a solid, attractive solution. In fact, our retirement product design reflects the kind of prudent business philosophy that has helped us maintain our financial strength, stability and high industry ratings for 100 years. Flexible Investment Options More than 50 investment options from more than 25 different asset managers Risk-based and time-based asset allocation portfolios Participant advice through a professionally managed Qualified Default Investment Alternative (QDIA) option Self-directed brokerage account with access to unlimited fund choices Company stock inclusion available Three Levels of Fiduciary Support Product-level oversight from Mutual of Omaha s Investment Manager Oversight Committee and the consulting services of Callan Associates, Inc. Plan-level guidance from the individual appointment of investment managers and the Mesirow Financial fiduciary services program, which appoints Mesirow as a co-fiduciary to the plan Participant-level confidence from a professionally managed account option Competitive Price and Compensation I nvestment platform built on institutional shares No case or size minimums Flexible compensation structure to accommodate the needs of each case Competitive first-year trustee fees or brokerage commissions, with no surrender charges Asset-based commission or service fee trail can begin the first month 1 Mutual of Omaha s increase in assets under management: 36.6%. Industry increase: 20.4%. Source: Spectrum Group Retirement 2008 Market Insights (Corporate DC Growth)

4 EPIC Advisors Administrative and Recordkeeping Services EPIC is the award-winning2 recordkeeper for more than 1,300 plans, primarily within the banking and trust industry. With $4.85 billion in assets under administration, we have significant experience in developing, managing, promoting and administering bank- and trustee-sold retirement plans. Since 1993, we ve developed the reputation for delivering the exceptional services and support trust departments need to retain clients and grow their retirement plans business. Sales and Marketing Support* Experienced sales consultants Custom proposals Electronic and print marketing materials Installation and conversion support Recordkeeping and Plan Administration Daily valuation recordkeeping and administration Custody and paying agent solutions Prototype plan document services Branded participant and plan sponsor Web sites Compliance testing and signature-ready Form 5500 Personal, Friendly Services* Financial Consultant and Plan Sponsor Services Relationship manager assigned to each client 24-hour online plan access Participant and plan sponsor communications resources Regular industry and legislative updates Monthly and quarterly investment performance reports Participant Services 24-hour account access (online and telephone) Experienced and knowledgeable Participant Service Center reps Online and printed statements Online quarterly newsletters, planning tools and calculators Customized enrollment materials Instructor-led enrollment meetings * Services offered by Mutual of Omaha and/or EPIC Advisors. Availability varies by plan. 2 PLANSPONSOR, Defined Contribution Surveys

5 Your Client Relationships You know your clients inside and out. You ve spent years cultivating relationships with them. And while you d like to give each and every one your undivided attention, you know that it s just not possible in today s business climate especially if you want to focus your efforts on increasing profitability and fee-based revenue. Reduce Resources, Expand Client Base Using a bundled platform for small and mid-sized clients often is a more efficient and cost-effective alternative to a la carte services typically used with open-architecture platforms. Your clients get access to the quality investment options, fiduciary support and personalized services that only large plans can usually afford. You get to outsource the details, while still getting paid for your plan oversight. It s a winning combination that frees your time to focus on your best customers and new prospects. Benefits of the EPIC/Mutual of Omaha Bundled Program* Bundled retirement platforms offer many additional benefits for trust departments, including: An additional solution to serve a greater variety of clients and increase competitiveness Built-in investment selection and ongoing monitoring by Callan Associates and Mesirow Financial Three levels of fiduciary support Subsidized recordkeeping costs, including waived annual and per participant fees** Customizable, packaged services to simplify client billing Flexible commission structure to accommodate each client s needs Ability to reduce back-end charges and surrender fees** Participant education, enrollment and ongoing plan support from a dedicated relationship manager Relationship Control Perhaps the best benefit is the ability to determine your own level of involvement on each plan. Depending on your relationship with a particular client, you may choose to be more or less involved with specific areas of the plan such as investment selection, plan design or enrollment meetings. When you work with EPIC Advisors and Mutual of Omaha, you decide on a plan-by-plan basis the level of involvement and role you want us to play. * Services offered by Mutual of Omaha and/or EPIC Advisors. Availability varies by plan. ** See Mutual of Omaha rate card for explanation of charges.

6 United of Omaha Life Insurance Company A Mutual of Omaha Company Omaha, NE Companion Life Insurance Company A Mutual of Omaha Company Hauppauge, NY EPIC ADVISORS, INC. 150 State Street, Suite 200 Rochester, New York Tel Fax For producer use only. Not for use with general public or any plan sponsor. Investment options are offered through a group variable annuity contract (Forms 902-GAQC-09 or 901-GAQC-07 or 901-GAQC- 07(OR)) underwritten by United of Omaha Life Insurance Company for contracts issued in all states except New York. United of Omaha Life Insurance Company is not licensed in New York. In New York, Companion Life Insurance Company, Hauppauge, NY underwrites the group variable annuity (Form 900-GAQC-07(NY)). Each company accepts full responsibility for each of their respective contractual obligations under the contract but does not guarantee any contributions or investment returns except as to the Guaranteed Account as provided under the contract. Neither United of Omaha, Companion Life Insurance, nor their representatives or affiliates offers investment advice in connection with the contract.

Proposal for: COMPANY NAME. Presented by: NAME TITLE SAMPLE DATE AFN32087_0209 MUGC7797B

Proposal for: COMPANY NAME. Presented by: NAME TITLE SAMPLE DATE AFN32087_0209 MUGC7797B Proposal for: COMPANY NAME Presented by: NAME TITLE DATE SAMPLE AFN32087_0209 MUGC7797B Mutual of Omaha Retirement Services Proven Retirement Product Expertise Mutual of Omaha s subsidiary companies, United

More information

401(k) Investment Selection, Simplified

401(k) Investment Selection, Simplified United Of Omaha Life Insurance Company Companion Life Insurance Company mutual of om aha re tirement ser v ice s 401(k) Investment Selection, Simplified NOW IT S AS EASY A S 1, 2, 3 GET RETIREMENT RIGHT

More information

Your TD Ameritrade Retirement Plan Proposal Provided by TD Ameritrade Trust Company

Your TD Ameritrade Retirement Plan Proposal Provided by TD Ameritrade Trust Company Your TD Ameritrade Retirement Plan Proposal Provided by TD Ameritrade Trust Company A solution that delivers outstanding investment flexibility and ease of administration all from a recognized and established

More information

Understanding Retirement Plan Fees and Expenses

Understanding Retirement Plan Fees and Expenses Understanding Retirement Plan Fees and Expenses To view this and other EBSA publications, visit the agency s Web site at: www.dol.gov/ebsa. To order publications, contact us electronically at: www.askebsa.dol.gov.

More information

Disclosure Brochure for Retirement Plan Fiduciaries

Disclosure Brochure for Retirement Plan Fiduciaries Disclosure Brochure for Retirement Plan Fiduciaries Important information regarding services and compensation for retirement plan assets invested in UBS Select and other assets held away from UBS Retirement

More information

OneAmerica. OneSolution.

OneAmerica. OneSolution. Retirement service capabilities of the OneAmerica companies Products and financial services provided by the companies of OneAmerica Financial Partners, Inc. Our commitment What makes us different is our

More information

Service Provider Fee Disclosure

Service Provider Fee Disclosure Service Provider Fee Disclosure ERISA 408(b)(2) Regulations WILLAMETTE UNIVERSITY WILLAMETTE UNIVERSITY DEFINED CONTRIBUTION RETIREMENT PLAN VALIC Annuity Contracts The Employee Retirement Income Security

More information

Lincoln Alliance Program Fee disclosures

Lincoln Alliance Program Fee disclosures Lincoln Alliance Program Fee disclosures Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. Affiliates are separately responsible for their own financial

More information

Using ERISA Accounts to Help Manage Fee-Related Fiduciary Responsibilities

Using ERISA Accounts to Help Manage Fee-Related Fiduciary Responsibilities Defined Contribution Plans Fiduciary Focus Series Using ERISA Accounts to Help Manage Fee-Related Fiduciary Responsibilities Contents 1 Employer Fee Responsibilities 2 Revenue Sharing 3 DOL s View of ERISA

More information

Retirement Redefined. Outcome-based Retirement Plans. Now there s a better way to prepare your employees for retirement.

Retirement Redefined. Outcome-based Retirement Plans. Now there s a better way to prepare your employees for retirement. Retirement Redefined. Outcome-based Retirement Plans. Now there s a better way to prepare your employees for retirement. Helping your employees attain a secure retirement. A financially secure retirement

More information

Schwab Bank Savings. An FDIC-insured deposit feature for retirement plans

Schwab Bank Savings. An FDIC-insured deposit feature for retirement plans Schwab Bank Savings An FDIC-insured deposit feature for retirement plans It s different from the usual cash preservation options, with a lot of benefits In conversations with our clients, Schwab Bank has

More information

The Institutional 401(k) Program. Providing expert advice and fiduciary protection in an uncertain world.

The Institutional 401(k) Program. Providing expert advice and fiduciary protection in an uncertain world. The Institutional 401(k) Program Providing expert advice and fiduciary protection in an uncertain world. You Can Get Advice from Anyone. How confident are you in the source? When you decided to offer a

More information

Plan Sponsor s Guide to. Retirement Plan Fees. R e t i r e m e n t p l a n s

Plan Sponsor s Guide to. Retirement Plan Fees. R e t i r e m e n t p l a n s Plan Sponsor s Guide to Retirement Plan Fees R e t i r e m e n t p l a n s 2007 StanCorp Equities, Inc. StanCorp Equities, Inc., member NASD/SIPC, distributes group variable annuity and group annuity contracts

More information

Investment Platform Options that Can Lead to Better Retirement Outcomes

Investment Platform Options that Can Lead to Better Retirement Outcomes Retirement Services Investment Platform Options that Can Lead to Better Retirement Outcomes For Plan SPonSor USe only not For DiStribUtion to the PUblic. Introduction Investment Platform Options that Can

More information

401keSolution. America s Most Affordable 401k Solution. www.401kesolution.com. sales@401kesolution.com 888.384.6767. All plans administered by:

401keSolution. America s Most Affordable 401k Solution. www.401kesolution.com. sales@401kesolution.com 888.384.6767. All plans administered by: All plans administered by: Contact us today: www.401kesolution.com 4300 Kittredge Street, Suite 100 Denver, Colorado 80239 info@eplanservices.com sales@401kesolution.com 888.384.6767 You don t have to

More information

A GUIDE TO RETIREMENT PLAN FEES & EXPENSES

A GUIDE TO RETIREMENT PLAN FEES & EXPENSES A GUIDE TO RETIREMENT PLAN FEES & EXPENSES WHITE PAPER DECEMBER 2013 Brian A. Montanez, AIF, CPC PRINCIPAL, MULTNOMAH GROUP Ronald J. Triche, Esq., APM* ASSISTANT GENERAL COUNSEL & DIRECTOR OF GOVERNMENT

More information

Fiduciary toolkit for financial professionals

Fiduciary toolkit for financial professionals Fiduciary toolkit for financial professionals For financial advisor use only. Not for distribution to retail investors. Vanguard is your partner to help guide you and your clients in addressing fiduciary

More information

HELPING ADVISORS COMBINE WORLD-CLASS RECORDKEEPING AND FLEXIBLE FIDUCIARY SERVICES

HELPING ADVISORS COMBINE WORLD-CLASS RECORDKEEPING AND FLEXIBLE FIDUCIARY SERVICES SM HELPING ADVISORS COMBINE WORLD-CLASS RECORDKEEPING AND FLEXIBLE FIDUCIARY SERVICES Investment and Fiduciary Support In today s rapidly changing retirement landscape, financial advisors need a trusted

More information

Defined Contribution Program

Defined Contribution Program Defined Contribution Program The SEI Advantage SEI s Defined Contribution Solutions offer a multitude of advantages over more traditional methods of plan structure, set-up, and service. All of SEI s Defined

More information

Not FDIC Insured May Lose Value Not Bank Guaranteed RETIREMENT FIDUCIARY FOCUS

Not FDIC Insured May Lose Value Not Bank Guaranteed RETIREMENT FIDUCIARY FOCUS USING ERISA ACCOUNTS TO HELP MANAGE FEE- RELATED FIDUCIARY RESPONSIBILITIES Not FDIC Insured May Lose Value Not Bank Guaranteed RETIREMENT FIDUCIARY FOCUS TABLE OF CONTENTS 1 Employer Fee Responsibilities

More information

The Makes Sense 401(k) Plan

The Makes Sense 401(k) Plan The Makes Sense 401(k) Plan The Makes Sense 401(k) Plan It can be challenging for employers to establish and maintain a cost-effective retirement plan for their employees while mitigating employer fiduciary

More information

Understanding Plan Fees and Expenses

Understanding Plan Fees and Expenses Understanding Plan Fees and Expenses Susan M. Wright, CPA, APM Executive Director, Consulting Topics of Discussion Fiduciary Responsibilities Settlor vs. Non-settlor Expenses Revenue Holding Accounts Questions

More information

Retirement Plan Investment Monitoring and Best Practices for Plan Sponsors

Retirement Plan Investment Monitoring and Best Practices for Plan Sponsors Retirement Plan Investment Monitoring and Best Practices for Plan Sponsors Tyrone Golatt Senior Regional Vice President Geoff Finkel Associate Account Executive 1 This material is not intended to give

More information

On Your Team. Toward Your Goal. UNIFI Companies Retirement Plans

On Your Team. Toward Your Goal. UNIFI Companies Retirement Plans FIDUCIARY investment safeguard SM On Your Team. Toward Your Goal. UNIFI Companies Retirement Plans RP 1351 8/08 FIDUCIARY INVESTMENT SAFEGUARd SM Let us help. Fiduciary Investment Safeguard is our warranty

More information

Retirement Plans. Choosing a Retirement Plan That Works for You and Your Company. Retirement Plans

Retirement Plans. Choosing a Retirement Plan That Works for You and Your Company. Retirement Plans Retirement Plans Choosing a Retirement Plan That Works for You and Your Company Retirement Plans About Stifel Nicolaus Stifel Nicolaus is a full-service Investment firm with a distinguished history of

More information

Trust Services at Merrill Lynch. Estate Planning Services

Trust Services at Merrill Lynch. Estate Planning Services Trust Services at Merrill Lynch Estate Planning Services Merrill Lynch Wealth Management makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S) and

More information

AMERIPRISE NATIONAL TRUST BANK COMPREHENSIVE DISCLOSURES

AMERIPRISE NATIONAL TRUST BANK COMPREHENSIVE DISCLOSURES This disclosure document provides important information and disclosures applicable to Ameriprise National Trust Bank ( ANTB ) personal trust accounts, including costs, compensation and the bank s affiliated

More information

Self-directed brokerage accounts

Self-directed brokerage accounts Self-Directed Plan Services Self-directed brokerage accounts One pathway to more personalized investment portfolios Content provided by Integrated Retirement Initiatives, LLC Compliments of TD Ameritrade

More information

Considerations in the Use of Self-Directed Brokerage Accounts in Participant-Directed 401(k) Plans

Considerations in the Use of Self-Directed Brokerage Accounts in Participant-Directed 401(k) Plans Considerations in the Use of Self-Directed Brokerage Accounts in Participant-Directed 401(k) Plans Chuck Rolph, J.D. Director, Advanced Consulting Group Nationwide Financial Background Today's typical

More information

Retirement Plans Investment Policy Statement

Retirement Plans Investment Policy Statement Retirement Plans Investment Policy Statement Adopted on August 18, 2015 Effective Date: August 1, 2015 INTRODUCTION Central Michigan sponsors a 403(b) and a 457(b) Retirement Plan (the Plans ) for the

More information

ERISA 408(b)(2) Retirement Plan Service Provider Disclosure Information

ERISA 408(b)(2) Retirement Plan Service Provider Disclosure Information ERISA 408(b)(2) Retirement Plan Service Provider Disclosure Information This information is being provided to you as the Plan Sponsor or other responsible fiduciary of a retirement plan ("Plan") subject

More information

Understanding fiduciary responsibilities

Understanding fiduciary responsibilities INSIGHTS SERIES Perspectives and viewpoints on investing in today s market Understanding fiduciary responsibilities A guide for retirement plan sponsors Offering a retirement savings opportunity in the

More information

Broker-Dealer and Registered Investment Advisor Fee Disclosure of the Transamerica Financial Group Division of TFA

Broker-Dealer and Registered Investment Advisor Fee Disclosure of the Transamerica Financial Group Division of TFA Broker-Dealer and Registered Investment Advisor Fee Disclosure of the Transamerica Financial Group Division of TFA This disclosure summarizes fees and other compensation received by Transamerica Financial

More information

DOL s Fiduciary Rule Increases Advisor Responsibility

DOL s Fiduciary Rule Increases Advisor Responsibility New Frontiers For Advisors Who Lead the Way First Quarter 2016 DOL s Fiduciary Rule Increases Advisor Responsibility Industry interest has increased around the Department of Labor s (DOL) rule expanding

More information

Fiduciaries Managing Costs

Fiduciaries Managing Costs AFP National Conference San Antonio, Texas DC Plan Fee Transparency: Fiduciaries Managing Costs November 9, 2010 Presented by: Linda Ruiz-Zaiko ik Randy Murphy Financial, Inc. Manager, Global Equity Plans

More information

An Employee s Guide to Retirement Plan Fees and Expenses

An Employee s Guide to Retirement Plan Fees and Expenses An Employee s Guide to Retirement Plan Fees and Expenses This guide was developed to help you gain a better understanding of the fees associated with a company sponsored retirement plan. Section 404(a)(1)

More information

Financial Advisors: Choosing Between Insurance Agents, Brokers, and Registered Investment Advisors Find the Right Advisor for You

Financial Advisors: Choosing Between Insurance Agents, Brokers, and Registered Investment Advisors Find the Right Advisor for You White Paper Financial Advisors: Choosing Between Insurance Financial Advisors: Choosing Between Insurance Agents, Brokers, and Registered Investment Advisors Find the Right Advisor for You Infinium Investment

More information

Retirement Connections: A Professionally Managed Solution

Retirement Connections: A Professionally Managed Solution Retirement Connections: A Professionally Managed Solution Expand your practice and build loyalty with an easy-to-use retirement plan for your small business clients For Financial Advisor use only. Not

More information

Andrew C. Cleary, CFP Daniel J. Cappucci, CFP Thomas A. Cappucci, CFP 100 William St, Ste 300 Wellesley, MA 02481

Andrew C. Cleary, CFP Daniel J. Cappucci, CFP Thomas A. Cappucci, CFP 100 William St, Ste 300 Wellesley, MA 02481 Andrew C. Cleary, CFP Daniel J. Cappucci, CFP Thomas A. Cappucci, CFP 100 William St, Ste 300 Wellesley, MA 02481 Securities and investment advisory services offered through new England Securities Corp.(NES)(member

More information

AN OPEN ARCHITECTURE MULTIPLE EMPLOYER PLAN. Retirement Plan Solution. Powered By

AN OPEN ARCHITECTURE MULTIPLE EMPLOYER PLAN. Retirement Plan Solution. Powered By A Risk Reduction Retirement Plan Solution - Fewer Fees, More Services, Professional Money Managers, and Fiduciary Protection AN OPEN ARCHITECTURE MULTIPLE EMPLOYER PLAN Retirement Plan Solution Powered

More information

Collective. Prepared by the Coalition of Collective. Investment Trusts

Collective. Prepared by the Coalition of Collective. Investment Trusts Collective Investment Trusts Prepared by the Coalition of Collective Investment Trusts Table of Contents Overview... 2 Collective Investment Trusts Defined... 3 Two Broad Types of Collective Trusts...

More information

Retirement Plan Solutions From National Asset Management via FOLIOfn Institutional

Retirement Plan Solutions From National Asset Management via FOLIOfn Institutional Retirement Plan Solutions From National Asset Management via FOLIOfn Institutional NATIONAL ASSET MANAGEMENT RETIREMENT PLAN SOLUTIONS FOR PLAN SPONSORS From National Asset Management, Inc. via FOLIOfn

More information

Seeking Better Retirement Outcomes with INSURANCE COMPANY SEPARATE ACCOUNTS.

Seeking Better Retirement Outcomes with INSURANCE COMPANY SEPARATE ACCOUNTS. Seeking Better Retirement Outcomes with INSURANCE COMPANY SEPARATE ACCOUNTS. Introduction The concern and scrutiny focused on Plan Sponsors and their Intermediaries to provide appropriate oversight regarding

More information

The Basics of Fiduciary Responsibility under ERISA

The Basics of Fiduciary Responsibility under ERISA The Basics of Fiduciary Responsibility under ERISA Prepared by Elizabeth A. LaCombe, Esq. I Who Is A Fiduciary Under the Employee Retirement Income Security Act of 1974 (ERISA)? Any person or entity who:

More information

Our fi rm and Fidelity synergy at work for you

Our fi rm and Fidelity synergy at work for you Our fi rm and Fidelity synergy at work for you As your fi nancial advisor, we re expected to make decisions about your money based on the highest degree of scrutiny. You can be assured that we use the

More information

ADV Part 2A Firm Brochure

ADV Part 2A Firm Brochure ADV Part 2A Firm Brochure Alpha Asset Consulting LLC 191 University Boulevard #334 Denver, Colorado 80206 Phone: 303.321.3837 Fax: 303.484.6887 Email: info@alpha-llc.com Website: www.alpha-llc.com Brochure

More information

A Winning Relationship: You, Your Advisor and Schwab Institutional

A Winning Relationship: You, Your Advisor and Schwab Institutional A Winning Relationship: You, Your Advisor and Schwab Institutional When the expertise of your advisor is combined with custody at Schwab, we share a common objective: to protect and grow your assets In

More information

SEI Advisor Network Wealth and Advisor Services

SEI Advisor Network Wealth and Advisor Services SEI Advisor Network Wealth and Advisor Services Providing flexible services that help you save time, build long-term relationships and increase profitability. seic.com/advisors Advisor Network Suite of

More information

Investor Questions and Answers: July 2, 2010

Investor Questions and Answers: July 2, 2010 Investor Questions and Answers: July 2, 2010 We plan to make written responses available addressing investor questions about our business on the first Friday of every month. The following answers respond

More information

Meeting Your Fiduciary Responsibilities

Meeting Your Fiduciary Responsibilities Meeting Your Fiduciary Responsibilities To view this and other EBSA publications, visit the agency s Web site at: www.dol.gov/ebsa. To order publications, contact us electronically at: www.askebsa.dol.gov.

More information

Defined Contribution / 401(k) Fee Study

Defined Contribution / 401(k) Fee Study Defined Contribution / 401(k) Fee Study Inside the Structure of Defined Contribution / 401(k) Plan Fees: A Study Assessing the Mechanics of What Drives the 'All-In' Fee Conducted by Deloitte for the Investment

More information

Retirement Plan Consulting Proposal

Retirement Plan Consulting Proposal The City of Haines City, FL 620 E. Main St Haines City, FL 33844 Retirement Plan Consulting Proposal Presented: August 2014 Gregg Fine, PRP, AIF Area Vice President Gallagher Benefit Services, Inc. 8333

More information

DO MORE FOR YOUR DAY ONE OF RETIREMENT AND BEYOND SUCCEED. The Prudential SmartSolution IRA

DO MORE FOR YOUR DAY ONE OF RETIREMENT AND BEYOND SUCCEED. The Prudential SmartSolution IRA SUCCEED SUNRISE PHOTOS TAKEN BY REAL PEOPLE OF THEIR ACTUAL DAY ONES OF RETIREMENT. WHAT WILL YOURS LOOK LIKE? The Prudential SmartSolution IRA DO MORE FOR YOUR DAY ONE OF RETIREMENT AND BEYOND An easy

More information

Fiduciary Guide. Vested Interest Defined Contribution Plan Services

Fiduciary Guide. Vested Interest Defined Contribution Plan Services Vested Interest Defined Contribution Plan Services [ ] Fiduciary Guide Your guide to what you should know as plan fiduciary, understanding Vested Interest services and the value of what these services

More information

RETIREMENT PLAN CONSULTING SERVICES PROGRAM

RETIREMENT PLAN CONSULTING SERVICES PROGRAM UBS Financial Services Inc. SEC File Number 801-7163 1000 Harbor Boulevard March 30, 2016 Weehawken, NJ 07086 (201)352-3000 http://financialservicesinc.ubs.com RETIREMENT PLAN CONSULTING SERVICES PROGRAM

More information

3(38) Fiduciary Services

3(38) Fiduciary Services 3(38) Fiduciary Services Complex challenges, simplified solutions Regulations are changing within the retirement plan marketplace and new fiduciary reporting requirements can be particularly challenging.

More information

Investment Policy Statement University of Texas System Retirement Program

Investment Policy Statement University of Texas System Retirement Program Office of Employee Benefits Administrative Manual Investment Policy Statement University of Texas System Retirement Program EFFECTIVE DATE: MARCH 1, 2010 REVISION DATE: 840 PURPOSE: To establish the investment

More information

Cambridge Investment Research Advisors, Inc. 1776 Pleasant Plain Road Fairfield, IA 52556 800-777-6080 www.cir2.com. Date of Brochure: September, 2013

Cambridge Investment Research Advisors, Inc. 1776 Pleasant Plain Road Fairfield, IA 52556 800-777-6080 www.cir2.com. Date of Brochure: September, 2013 Item 1 - Cover Page 1776 Pleasant Plain Road Fairfield, IA 52556 800-777-6080 www.cir2.com Date of Brochure: September, 2013 This brochure provides information about the qualifications and business practices

More information

A Tool to Help You Manage Your Company Retirement Plan

A Tool to Help You Manage Your Company Retirement Plan Plan Sponsor Fiduciary Guide A Tool to Help You Manage Your Company Retirement Plan RBC Wealth Management, a division of RBC Capital Markets, LLC, Member NYSE/FINRA/SIPC. One of the most important duties

More information

Define Your Independence: Building Your Future

Define Your Independence: Building Your Future Define Your Independence: Building Your Future Define Your Independence: Building Your Future It used to be that going independent meant going out on your own. Alone. That s not the case anymore. There

More information

3(21) and (38) Fiduciary Outsourcing. Blake Willis, July Business Services Rick Keast, Redhawk Wealth Advisors

3(21) and (38) Fiduciary Outsourcing. Blake Willis, July Business Services Rick Keast, Redhawk Wealth Advisors 3(21) and (38) Fiduciary Outsourcing Blake Willis, July Business Services Rick Keast, Redhawk Wealth Advisors 3(21) and 3(38) Fiduciary Outsourcing Presented by: Rick Keast Senior Vice President Business

More information

Vanguard Financial Plan Brochure

Vanguard Financial Plan Brochure Vanguard Financial Plan Brochure June 21, 2013 Vanguard Advisers, Inc. 100 Vanguard Blvd., Malvern, PA 19355 800-337-6241 vanguard.com This brochure provides information about the qualifications and business

More information

Qualified Retirement Plan

Qualified Retirement Plan Qualified Retirement Plan Standardized Adoption Agreement PO Box 2760 Omaha, NE 68103-2760 Super Simplified Individual 401(k) Profit Sharing Plan Key Information When Establishing a Qualified Retirement

More information

ING MAP Select SM Comparison of Unbundled Service Models

ING MAP Select SM Comparison of Unbundled Service Models ING MAP Select SM Comparison of Unbundled Service Models Description of Customer Service Model Combination of ING and TPA with TPA providing plan-related services Combination of ING and TPA with ING providing

More information

RETIREMENT PLAN CONSULTING SERVICES PROGRAM

RETIREMENT PLAN CONSULTING SERVICES PROGRAM UBS Financial Services Inc. SEC File Number 801-7163 1000 Harbor Boulevard March 31, 2015 Weehawken, NJ 07086 (201)352-3000 http://financialservicesinc.ubs.com RETIREMENT PLAN CONSULTING SERVICES PROGRAM

More information

Retirement Solutions. Grow Your Retirement Business With Pershing. Your Business Without Limits TM

Retirement Solutions. Grow Your Retirement Business With Pershing. Your Business Without Limits TM Retirement Solutions Grow Your Retirement Business With Pershing Your Business Without Limits TM Grow Your Retirement Business With Pershing Open architecture platform Simplified account management Unbiased

More information

STRONG STABLE SECURE A LOOK AT MUTUAL OF OMAHA S FINANCIAL STRENGTH. STRONG. STABLE. SECURE.

STRONG STABLE SECURE A LOOK AT MUTUAL OF OMAHA S FINANCIAL STRENGTH. STRONG. STABLE. SECURE. STRONG STABLE SECURE A LOOK AT MUTUAL OF OMAHA S FINANCIAL STRENGTH. STRONG. STABLE. SECURE. Strong. Stable. Secure. For more than a century through recessions and a Great Depression, through two World

More information

How We Compensate Our Investment Professionals

How We Compensate Our Investment Professionals How We Compensate Our Investment Professionals Since Charles Schwab & Co., Inc. ( Schwab ) was founded more than 40 years ago, we ve been committed to serving the needs of individual investors. One of

More information

IMPORTANT QUESTIONS YOU SHOULD ASK ABOUT

IMPORTANT QUESTIONS YOU SHOULD ASK ABOUT IMPORTANT QUESTIONS YOU SHOULD ASK ABOUT JAMES KIRBY ACCOUNTANCY CORPORATION JAMES KIRBY ACCOUNTANCY CORPORATION Registered Investment advisor 2601 Saturn Street, Suite 106 Brea, CA 92821 6702 (714) 203

More information

Fiduciary Assure SM Fiduciary support for your retirement plan

Fiduciary Assure SM Fiduciary support for your retirement plan Retirement Plans Group Fiduciary Assure SM Fiduciary support for your retirement plan NOT FOR USE WITH PARTICIPANTS Professional Advice for Plan Sponsors As the sponsor of a retirement plan, it is your

More information

Target Date Funds: Debating To Versus Through

Target Date Funds: Debating To Versus Through Target Date Funds: Debating To Versus Through Glenn Dial, Sr. VP, Head of Retirement Product Business Development, Allianz Global Investors Distributors LLC Scott Brooks, Head of US Retail Client Relations

More information

A Winning Relationship: You, Your Advisor and Schwab Advisor Services

A Winning Relationship: You, Your Advisor and Schwab Advisor Services A Winning Relationship: You, Your Advisor and Schwab Advisor Services When the expertise of your advisor is combined with When the expertise of your advisor custody at Schwab, we share a common objective:

More information

Our firm and Fidelity. Working together for you.

Our firm and Fidelity. Working together for you. Our firm and Fidelity. Working together for you. Helping to serve your best interests. A powerful combination. 1 As your financial advisor, we re expected to make decisions about your money based on the

More information

Credit Union Employees Retirement Association. Providing Retirement Plans to Member Credit Unions since 1954

Credit Union Employees Retirement Association. Providing Retirement Plans to Member Credit Unions since 1954 Credit Union Employees Retirement Association Providing Retirement Plans to Member Credit Unions since 1954 Fulfill your commitment to help employees attain a secure retirement. It s easier than you might

More information

[PLAN NAME] Important Information Regarding Your Plan

[PLAN NAME] Important Information Regarding Your Plan This template is provided to Plan Sponsors as a reference guide/tool as it relates to participant disclosures required by ERISA Section 404(a)(5) and the regulations thereunder, and is provided solely

More information

Rethink your 401(k) with Schwab Index Advantage

Rethink your 401(k) with Schwab Index Advantage Rethink your 401(k) with Schwab Index Advantage In the last 30 years, 401(k) plans have become one of the most common retirement planning tools in the United States. 1 Our research shows that some 70%

More information

Lincoln Financial Advisors Corporation Asset Management Programs, Retirement Plan Services and other Advisory Services Form ADV, Part 2A

Lincoln Financial Advisors Corporation Asset Management Programs, Retirement Plan Services and other Advisory Services Form ADV, Part 2A Lincoln Financial Advisors Corporation Asset Management Programs, Retirement Plan Services and other Advisory Services Form ADV, Part 2A March 30, 2016 Lincoln Financial Advisors Corporation 1300 South

More information

Investment Strength and Flexibility. Principal Trust Target Date Funds

Investment Strength and Flexibility. Principal Trust Target Date Funds Investment Strength and Flexibility SM Principal Trust Target Date Funds A Target Date Investment Option for You and Your Participants Now more than ever, your employees are searching for efficient ways

More information

Retirement Plan Proposal. Prepared for: ABC Company. Financial Advisor: James C. Advisor, CFP

Retirement Plan Proposal. Prepared for: ABC Company. Financial Advisor: James C. Advisor, CFP Retirement Plan Proposal Prepared for: ABC Company Financial Advisor: James C. Advisor, CFP As a business owner or retirement plan trustee, how do you meet your fiduciary obligations to employees? How

More information

F I R M B R O C H U R E

F I R M B R O C H U R E Part 2A of Form ADV: F I R M B R O C H U R E Dated: 03/24/2015 Contact Information: Bob Pfeifer, Chief Compliance Officer Post Office Box 2509 San Antonio, TX 78299 2509 Phone Number: (210) 220 5070 Fax

More information

Best practices for confident plan compliance

Best practices for confident plan compliance Best practices for confident plan compliance Ongoing efforts to expand retirement plan participation, promote transparency and enhance benefit security have increased responsibilities for plan sponsors.

More information

Elevate your skills to help grow your business. Essential resources for today s retirement plan advisor.

Elevate your skills to help grow your business. Essential resources for today s retirement plan advisor. Elevate your skills to help grow your business. Essential resources for today s retirement plan advisor. Guiding today s retirement plan advisor toward success The role of today s retirement plan advisor

More information

Financial Advisor Fee and Services Communication Template

Financial Advisor Fee and Services Communication Template Financial Advisor Fee and Services Communication Template A Summary of the Value We Deliver to [Company] Client Name: Financial Advisor Team: Date: Ann Schleck and Co. is not affiliated with MFS. The information

More information

The Five Pillars of a Retirement Plan

The Five Pillars of a Retirement Plan The Five Pillars of a Retirement Plan An employee retirement plan can help: Recruit and retain valuable employees Bridge the gap between Social Security and retirement income needs, which are estimated

More information

WHO IS HD VEST? SUPPORTING ADVISORS WHO SUPPORT YOU

WHO IS HD VEST? SUPPORTING ADVISORS WHO SUPPORT YOU WHO IS HD VEST? SUPPORTING ADVISORS WHO SUPPORT YOU HD VEST A QUIET BRAND WITH A BIG PRESENCE For the last 30 years of our firm s history, our sole purpose has been to support independent Advisors providing

More information

A Winning Relationship. You, Your Advisor, and Schwab Advisor Services. For Clients of Independent Investment Advisors

A Winning Relationship. You, Your Advisor, and Schwab Advisor Services. For Clients of Independent Investment Advisors A Winning Relationship You, Your Advisor, and Schwab Advisor Services For Clients of Independent Investment Advisors Your advisor s expertise and Schwab s custody services come together to help protect

More information

Models of Advisor Fiduciary Responsibility: What Advisors Need to Know

Models of Advisor Fiduciary Responsibility: What Advisors Need to Know Models of Advisor Fiduciary Responsibility: What Advisors Need to Know Ashish Shrestha Regional Director This information is provided for registered investment advisors and institutional investors and

More information

Schwab retirement planner. Helping you save more for retirement.

Schwab retirement planner. Helping you save more for retirement. Schwab retirement planner Your Interstate Batteries Profit Sharing & 401(k) Plan How IT works Helping you save more for retirement. It s never too early or too late to save for your retirement. For most

More information

Discretionary Investment Management Agreement. Premier SEP IRA. Ameritas Investment Corp. 5900 "O" Street Lincoln, NE 68510-2234

Discretionary Investment Management Agreement. Premier SEP IRA. Ameritas Investment Corp. 5900 O Street Lincoln, NE 68510-2234 Discretionary Investment Management Agreement Premier SEP IRA Ameritas Investment Corp. 5900 "O" Street Lincoln, NE 68510-2234 DISCRETIONARY INVESTMENT MANAGEMENT AGREEMENT Ameritas Investment Corp. By

More information

Magnify your market opportunities not your efforts.

Magnify your market opportunities not your efforts. A Solution for Third Party Administrators (TPAs) Magnify your market opportunities not your efforts. For plans up to $5 million in assets Edward Jones Needs-based Retirement Strategies FOR TPA USE ONLY.

More information

TVA Savings and Deferral Retirement Plan. Investment Policy Statement

TVA Savings and Deferral Retirement Plan. Investment Policy Statement TVA Savings and Deferral Retirement Plan Investment Policy Statement Amended March 16, 2012 TVA Savings and Deferral Retirement Plan Investment Policy Statement The TVA Savings and Deferral Retirement

More information

Frequently Asked Questions About Changes to the Retirement Program Changes to the Retirement Program The Decision Making Process

Frequently Asked Questions About Changes to the Retirement Program Changes to the Retirement Program The Decision Making Process Frequently Asked Questions About Changes to the Retirement Program Changes to the Retirement Program The Decision Making Process 1. Why is The University of St. Thomas making this change? As a result of

More information

Wealth Management Platform. - Model Portfolios Program - Part 2A Appendix 1. Program Brochure. For

Wealth Management Platform. - Model Portfolios Program - Part 2A Appendix 1. Program Brochure. For Wealth Management Platform - Model Portfolios Program - Part 2A Appendix 1 Program Brochure For VISION2020 Wealth Management Corp. One World Financial Center, 15th Floor New York, NY 10281 (800) 821-5100

More information

Meeting Your Fiduciary Responsibilities

Meeting Your Fiduciary Responsibilities The following information comes directly from a brochure prepared by The Department of Labor to help plan sponsors understand their fiduciary responsibilities. We are making this brochure available through

More information

Retirement Plan Services

Retirement Plan Services Retirement Plan Services COMPREHENSIVE. TAILORED. EFFECTIVE. WoodTrust provides a comprehensive suite of retirement plan solutions. With over 30 years of experience as a trusted fiduciary partner, WoodTrust

More information

Fiduciary Asset Management. A Discretionary Investment Management Solution

Fiduciary Asset Management. A Discretionary Investment Management Solution Fiduciary Asset Management A Discretionary Investment Management Solution 01 / MORGAN STANLEY The Fiduciary Asset Management program is designed to provide a customized, discretionary solution to help

More information

INDIVIDUAL 401(k) Plan

INDIVIDUAL 401(k) Plan INDIVIDUAL 401(k) Plan Guidebook Contents WELCOME. When you commit to saving for retirement, you want to invest with a company that shares your dedication to hard work and results. At T. Rowe Price, we

More information

New Fee Disclosure Regulation Magnifies Fiduciary Risks for 401(k) Plan Sponsors

New Fee Disclosure Regulation Magnifies Fiduciary Risks for 401(k) Plan Sponsors Fiduciary Insights New Fee Disclosure Regulation Magnifies Fiduciary Risks for 401(k) Plan Sponsors COST ASSIGNMENT DECISIONS EXPENSE CONTROLS CONFLICTS OF INTEREST INVESTMENT SELECTION CONSTRAINTS FEE

More information

Working Together to Meet Your Investment Goals

Working Together to Meet Your Investment Goals Working Together to Meet Your Investment Goals Integrated Investment Consulting Services Integrated Investment Consulting Services Working Together to Meet Your Investment Goals Fiduciaries and trustees

More information