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"A Goal Without a Plan Is Just a Wish"
-Antoine de Saint-Exupery


Employer Retirement Plan Services

For small plan sponsors, we provide ongoing review services that allow the Trustees and the Investment committee to prudently analyze plan design, participant education, plan benchmarking, and investment recommendations with special attention to the following:

  • ERISA Section 404(c) compliance
  • Plan cost analysis of all fees and compensation and comparison to similar plans
  • Investment Policy Statement construction and review
  • Due diligence, monitoring and annual benchmarking
  • Participant education, conversion and enrollment services
  • Conducting Investment Committee meetings and recording minutes

A key concept under ERISA is that you perform a Prudent Process in administering the plan. You have a duty to make sure that the costs of the plan are reasonable. Are you confident that your plan's costs are reasonable and compare favorably to other plans? We help you by conducting periodic reviews of your plan's expenses to see how your plan compares to like-size plans in the same area and in the same industry. Unless you conduct a periodic review, you can't truly be sure that you are fulfilling your fiduciary responsibility. If you haven't had a recent plan review, please contact us to schedule a convenient time to get started.

Latest Blog Posts

Aug 18, 2017 by Structured Asset Management, Inc.

The solution to retirement spending isn’t easy. There isn't one perfect solution for everyone. Three potential approaches include immediate annuities, a total income approach or a total returns approach. While each of these solutions have their pros and cons, we strongly favor the total returns approach in most situations. Here's a look at each of these and their pros and cons.

Immediate Annuity Approach: you turn your...

Aug 07, 2017 by Structured Asset Management, Inc.

Top Retirement Planning Mistakes

Here is a list of what I'd consider the top mistakes people make for their retirement planning:

  1. Not Having a Plan
  2. Bad Annuity Decisions – there’s a reason annuities are sold and not bought
  3. Failing to review investments - being too aggressive or too conservative
  4. Bad Social Security decisions - this should be just part of your plan, not an entire plan
  5. Overspending is a game...
Aug 04, 2017 by Structured Asset Management, Inc.

To follow up on my latest post regarding retirement and the importance of planning ahead, there are a number of things to consider. The biggest challenge is to create a lifelong paycheck, one that allows you to live the lifestyle you envision for yourself in retirement. To accomplish this, it should be structured so that it lasts your (or multiple) lifetime(s), is paid on a regular basis, takes inflation into account and is relatively stable. Each one of these factors could be a whole...

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