Retirement Plan Services
In the busy corporate world, it is difficult for employers to shift their focus on the corporate retirement plan while still keeping their eyes on the business.
With continually changing 401(k) and pension plan regulations, employers need an advocate to help them navigate the complexities.
Etesian is here to add clarity to employers by providing clear analysis, guidance, and fiduciary oversight.
Employees get clear, easy to understand solutions.
Our goal is to minimize your time with the plan and maximize your protection.
What we Do
- We construct efficient retirement plans
- We work with businesses to evaluate, monitor, and maintain successful retirement plan
- We create a plan process, monitoring investments and plan fees
- We are consultative and fee based
- We give clear, appropriate advice
Suite of Services
Helping employers understand their fiduciary role and requirements
Lesson from the past have shown us that businesses have less time to focus on their retirement plan and want more time to focus on their core business. As a result, the fiduciary responsibilities often get left on the back-burner. We educate our clients on their responsibilities and our resources allow us to take many of those responsibilities off of their plate so that the retirement plan can operate in an efficient manner and the employer can fulfill their duties.
Create prudent process and procedures to maximize fiduciary protection
Processes and procedures must be established in order to show clear documentation on why and how plan related decisions were made. We implement and maintain those processes and document all decisions for our clients along the way.
Establish clear Investment Policies and provide independent investment analysis
Most of our clients do not show up to work every day to be investment gurus. We create a clear policy on how to benchmark the plan’s investments on a regular basis so our clients don’t have to. Our deep-dive investment analysis allows us to simplify the process and allows us to make educated, documented decisions in regard to monitoring and replacing investments within a retirement plan.
Benchmark plan fees and vendor related services
It is critical for plan fiduciaries to compare their current services and fees with other providers in the marketplace. Our firm provides a fee analysis on an annual basis and will provide a detailed benchmark no less than every 36 months.
Monitor “plan health”
Retirement plans are about one thing… allowing employees to save enough to have the means to replace their income during their retirement years. Are your employees on track to enjoy their golden years? Will they meet their needs? We analyze our client plans to determine how “healthy” the plan is and whether or not employees are on track to retire with dignity and a steady income. Most plans are not however with careful analysis we help create client specific plans to give participants a better chance of a successful retirement.
Monitor and communicate changes in the regulatory environment
The retirement plan marketplace is constantly evolving, especially in the regulatory arena. Our knowledge, expertise, and connections allow us to stay on top of the changes and communicate and implement those changes to our clients.
Exit strategies and planning for retiring (or soon to be) retiring participants
Employees spend their working year accumulating savings in their 401k plans. Five to ten years prior to retirement, planning should begin to understanding of the distribution phase of retirement. The time during retirement where they will begin withdrawing money to pay for their living expenses. The retirement industry has done a poor job of educating participants in this phase and Etesian makes a point to create programming to help employees prepare themselves and their investment accounts in the critical years just prior to retiring.
Retirement Plan Marketplace
Etesian Wealth Advisors is committed to making sure our clients stay on top of the constantly changing marketplace. We have provided this tab to post a few industry resources to help further your education. We will update this tab from time to time as we gather additional intellectual capital that we can share with the public. Click the topic below to view the various topics.
Are you ready for the 408(b)(2) fee disclosure?
A white paper from Ridgeworth Investments does a great job of explaining the regulation.
Do you understand the philosophy of the Target Data Funds in your plan?
This piece from American Century Investments explains the two philosophies and why they are a “To” manager instead of a “Through” manager.
Evaluation the merits of “active” investment management.
This piece from Manning & Napier outlines the argument of active managers versus passive/index investing.
A 2010 study on 401k Participant behavior.
A study provided by BlackRock Investments.
Is your 403(b) Plan compliant?
A helpful checklist from The Principal Financial Group
The education items provide here to do not constitute a recommendation by Etesian Wealth Advisors of any investment or of the investment firms who have provided these materials. These materials are for educational purposes only. Please use them as such. Any opinions and philosophies that are expressed in these documents are that of the author/provider. Etesian Wealth Advisors may or may not have similar opinions in the above documents. This is for education use only, not for investment purposes.