401k & Retirement Plan Services

These are the services we initially review with a Business Owner, HR Manager or CFO, to determine specifically how we may improve group benefits for highly compensated employees and the rank & file (see Gold Medal Services for menu of services to individuals).

Plan Solutions

• Review and determine objectives of owners and how plan fits into overall compensation package
• Analyze how to attract, retain and reward employees while considering cost, contribution and flexibility
• Review ways to cut costs while offering value- added services with little to no cost borne by employer
• Evaluate employee census to determine mix of highly compensated, non-highly compensated, older vs. younger, or employees with certain length of service, and how various plans may benefit a particular group
• Participate in complimentary meeting with third party plan administrators to analyze and evaluate plan data to make informed decisions
• Compare investment choices to other plans for highly compensated employees
• Ongoing Review and Systematic Approach to Tasks needed to accomplish goals, via our Action Checklist
• Complimentary Gold Service Events for team building to increase employee loyalty

• Review your investments and design a customized portfolio appropriate to your needs
• Continually monitor your investments
• Quarterly meetings to: review and evaluate your investment performance, update your overall financial objectives and if necessary, reallocate your portfolio
• Quarterly Statements
• Independent Advice
• Recommendations regarding investments in your employer provided retirement plans such as 401(k)s
• Quarterly “market watch” letter detailing our firm’s research, analysis and view of the current state of the investment markets
• One-on-one meetings with individuals
• Assistance with Open Enrollment twice a year, in addition to other value added ‘quick’ group meetings.  Special reports on how to reduce your taxes and other important topics related to comprehensive planning

•  Analysis of your current and future income needs considering cash flow
• Continual development and implementation of recommendations to support your income needs and maintain a comfortable standard of living
• Recommendations regarding the best distribution strategy for your employer retirement plans and IRAs
• Analysis of the beneficiaries of your IRAs and how to establish an Inherited IRA for 70 years or longer after you pass away
• Comprehensive review of tax return to highlight opportunities for maximizing tax reduction strategies
• Quarterly review of your tax situation and planning to incorporate any new tax law changes
• Complimentary consultation with your tax preparer

• Analysis of your current estate plan, buy-sell, cross-purchase, or other continuity documents
• Complimentary consultation with your attorney
• Provide guidance for the necessary steps in the event of the death of a key employee