401(k) Advisory Services
We represent you!
Many corporations and schools benefit from our no obligation complimentary plan reviews. We’ve built so many relationships this way and are always excited to grow our network. At the conclusion of the review, the majority of the time we simply suggest a few ways to save the plan some money. Usually it’s done by adding a few more fund menu choices and would not require a change in plan providers. To fulfill your fiduciary responsibility we can also benchmark and compare your plan with the industry at no cost. If you’d like we can research alternate providers as well. Once you are armed with this information, we can help navigate you through any adjustments you may desire whether they are minor changes or complete plan overhauls. We can be a resource to help with building your 401(k) dream team of vendors (plan provider, TPA, record keeper, and payroll provider). We aim to find the most cost effective and best of breed specialists for your specific needs.
An experienced retirement advisory team with your best interests in mind
We are an independent 401(k) advisor using our deep retirement planning expertise and technology to solve real problems for small and mid-sized businesses. Before founding SAM, our team has previously advised over $2Billion in 401(k) assets for organizations of all sizes, and we know what it takes to drive participant success, lower fiduciary risk, and reduce fees.
Independent advice for your business and employees
As an independent advisor, we work with you to find the right recordkeeper and investments, construct a smart plan design, handle ERISA compliance and fiduciary responsibilities, and drive participant success with a technology-driven education and engagement strategy. Our team of investment advisor representatives is available to answer employee financial wellness and investment questions, and our operations specialists will keep your plan administration running smoothly.
Prudent 401(k) investment choices
SAM Financial Advisors’ Top Providers
See how a low-cost, passive investment line up can drive employee success
When it comes to your organization’s 401(k) or 403(b) plan, SAM stands behind 3 core investment philosophies:
401(k) Investment Philosophy #1:
Avoid unnecessary fees
While the market is unpredictable, fees are guaranteed to lower returns. One of our primary goals is to lower 401(k) investment fees for your employees. Once we estimate the total fund cost, we then compare the total fund cost to other funds that provide similar asset class exposure and return potential.
The end goal — provide a selection that gives employees a low-cost 401(k) investment menu of diversified mutual funds.
401(k) Investment Philosophy #2:
Avoid unnecessary risk
Chasing past performance is likely to lower overall investment returns. Indeed, studies have shown that actively managed funds that outperformed in one 5-year period are actually significantly more likely to underperform in the next 5 year period. These actively managed funds can have wildly volatile returns, creating unnecessary fiduciary risk for employers and exposing employees to unnecessary risk.
Our 401(k) fund selection philosophy — avoid mutual funds that take excessive active bets in an attempt to outperform the market.
401(k) Investment Philosophy #3:
Thorough, ongoing fiduciary review
Limiting unnecessary fees and exposure to excessive active management at the outset is not enough. A prudent 401(k) plan requires on-going fiduciary reviews of the investments looking at both quantitative and qualitative measures.
Our investment monitoring process — carefully follow the investment policy statement, with well-documented quarterly performance reviews.
ARE YOU Ready to go with an advisor who selects a 401(k) fund lineup that is in your employees’ — and your company’s — best interest?
Contact us for a free review of your existing plan.