The Geneva Retirement Plan Solution

Transcription

1 Geneva Pension Consultants and Geneva Wealth Management Ltd. present The Geneva Retirement Plan Solution Create a comprehensive retirement plan for your company and your employees simplicity focus balance

2 The Geneva Retirement Plan Solution No one knows your business like you do. Your ability to focus on your enterprise has made you the success you are today. Increased global competition, rapid technology changes, and cumbersome government regulations have made operating your company a challenge. Trouble is, there's a lot to running a successful business that has little to do with the core business you're managing, but is still critically important to your overall long-term success. Your company retirement plan is a perfect example. You know you need excellent benefits in order to attract, reward and retain exceptional employees. You know that you need to keep these benefits costs reasonable and under control. You also know that you don't want the complexities of monitoring this program taking up your valuable work time. That's why we created The Geneva Retirement Plan Solution. It's a comprehensive, evolutionary six-step process that s built around three principles simplicity, focus, and balance.

3 Simplicity We do the work for you. One of our specially-trained financial professionals will take you through our evolutionary six-step process to develop a retirement plan that meets your company's needs. We will evaluate your current retirement plan, including places where you may be paying hidden and unnecessary fees. help find ways to maximize tax benefits. help protect you and your company's fiduciaries from unnecessary litigation. write an RFP and analyze proposals to make sure you obtain the best solution. provide ongoing monitoring of your plan investments on a quarterly or semi-annual basis. educate, excite, and motivate your employees to participate

4 Focus Results, not procedures. Think of us as one of your employees only one who just doesn't happen to have an office on-site. Our expertise is in getting you the results you want, without getting you bogged down in complex rules and regulations. We sit on your side of the negotiating table to find the best retirement plan solution for your company. Once your plan is implemented, we monitor it regularly to make sure it continues to meet your company's goals and objectives over time. That leaves you free to focus on what you do best running your business.

5 Balance Minimizing costs, creating exceptional value. By now you're probably wondering just how much is this going to cost? Not to worry. In many cases, we'll be able to uncover places where you're paying unnecessary expenses hidden mutual fund fees are one example and use that money to unlock your retirement plan s buried treasure. Your retirement plan may have hidden costs and expenses. The industry calls these 12 b-1 and sub TA fees. We call them buried treasure, or the gold bullion of your retirement plan. These fees can be used to reduce your plan s future expenses and cover some, if not all, of our consulting fees! We can be compensated in a number of ways. It may be as simple as placing us as broker of record on your retirement plan. If you prefer, we can act as an investment advisor and be paid a percentage of your plan s assets on an ongoing basis. Lastly, we can receive a consulting fee based on the specific services that you desire. It s your choice. unlock your retirement plan s buried treasure

6 The Geneva Retirement Plan Solution Six steps to building a stronger retirement plan for your company. Stage 1 The Retirement Plan Evaluator Our easy-to-use tool provides you with an evaluation of your company's retirement plan objectives and concerns and an analysis of other plan solutions. We'll also discuss and review funding strategies for fee administration. Stage 2 The Retirement Plan Optimizer We conduct a feasibility study to help maximize the tax benefits of your retirement program for both your company and your employees. Stage 3 The Fiduciary Shield Meeting your fiduciary responsibilities can be a complex process. We help control risk by developing a formal investment policy statement and establishing clear criteria for selecting and monitoring investment managers.

7 Benefits Greater employee satisfaction and participation Delegated fiduciary plan requirements Reduced plan anxiety State-of-the-art processes Out-sourced HR functionality Educational and financial planning services provided by an independent registered investment advisor. Stage 4 The RFP Manager Stage 5 The Edu-tainment Experience Stage 6 The Wealthcare Monitor We're on your team. We'll sit on your side of the negotiating table to walk you through the RFP process, manage the flow of information, analyze and review proposal and guide you in making an informed and knowledgeable decision. We manage every step of the transition from your current retirement program to your new program. We enroll your employees and educate them on the benefits of their new program. We'll ensure their satisfaction through quarterly, semi-annual and annual education and financial planning seminars. We'll manage the health and welfare of your retirement program over its lifetime, advising you on regulatory changes, program enhancements and investment due diligence on a quarterly or semi-annual basis.

8 Geneva Pension Consultants, a division of Geneva Wealth Management Ltd., specializes in 401(k) strategies for small to mid-size companies. They assist in plan design, implementation and oversight. Geneva takes great pride in the ongoing support and education afforded to individual participants in meeting their long-term retirement needs. Curtis Luckman, the President of Geneva Pension Consultants, graduated from Hofstra University magna cum laude with a B.B.A. in Business Administration. He also is a graduate of Hofstra University School of Law and successfully passed the New York State bar exam. He interned and started his business career at Price Waterhouse where he became a Certified Public Accountant. The 401k Coach Program is a national program which provides education and coaching services to financial advisors, institutions, plan sponsors and employees. For more than fifteen years he has been a full-time financial planner. He is a Certified Financial Planner practitioner and is a member of the FPA, Financial Planning Association, and ASPPA, American Society of Pension Professionals and Actuaries. He has also earned the AIF professional designation, Accredited Investment Fiduciary, which is awarded by the Center of Fiduciary Studies. He has received formal training in investment fiduciary responsibility. This not only fortifies his daily practices in serving the best interests of his clients, but it also allows him to counsel other investment stewards, such as plan sponsors and trustees, in applying a prudent investment process to satisfy their fiduciary responsibilities. Curtis M. Luckman, JD, CPA, CFP, AIF Geneva Pension Consultants 400 Post Ave., Suite 404 Westbury, NY (516) x101 Fax (516) cluckman@genevawm.com Curtis Luckman is a registered Representative offering securities through American Portfolio Financial Services Inc., Member SIPC/FINRA Investment Advisory/Financial Planning offered through American Portfloio Advisors Inc. AN SEC REGISTERED INVESTMENT ADVISOR TM & The 401k Coach Program. The 401k Coach Retirement Plan Solution is a concept of The 401k Coach Program. The 401k Coach, The 401k Coach Program, and The 401k Coach Retirement Plan Solution are trademarks of EFS. All rights reserved. #067031