Welcome to Valley Wealth
Make your company retirement plan a true company benefit.
Every business owner knows that financially secure employees help the business succeed. So a company retirement plan such as a 401(k) or Profit Sharing plan makes sense as a way to help employees reach their retirement goals. The problem is that the vast majority of company retirement plans are not serviced adequately by the current advisor or broker. Employees can begin to lose interest and assume that the business owner doesn't care about the plan.
WE PROVIDE
YOU RECEIVE
Plan Fee & Service Review
A complete and detailed review of the plan, including total plan costs, vendor services, investment options, fiduciary procedures, and other relevant issues. Our report known as The Good, The Bad, and The Ugly exposes the issues you need to know about.
Well-documented and well-benchmarked information on the costs, services and investments of the plan, together with specific recommendations for reducing expenses, increasing plan participation, and limiting fiduciary liability.
Vendor Search & Replacement
Where a new vendor is required (the vendor is who actually provides the 401(k) – aka where the statement comes from), an objective and comprehensive search for, and recommendation of, a new vendor to replace the current provider.
A completely independent recommendation of the best possible vendor to match the plan's specific objectives & needs, at the best possible negotiated price, and implemented through hands-on management and oversight of the conversion process.
Investment Architecture & Fund Selection
A design of what (unbundled funds, portfolios, etc.), how (mutual funds, ETF's, separate account managers), and who (specific fund managers and financial instruments), within the context of the plan vendor's investment platform.
Best in class investment selection and architecture, designed to manage the plan sponsor’s fiduciary risk and maximize the potential investment return possibilities for all participants.
Ongoing Investment & Vendor Monitoring
A comprehensive quarterly review of each investment option measured against specific quantitative and qualitative controls as defined by the plan's Investment Policy Statement and industry best practices.
A detailed report to the plan committee, on paper and delivered in person, documenting investment and vendor performance results, together with specific recommendations based upon that information.
Ongoing Support for Participants and Internal Plan Staff
Access by phone during regular business hours for participant investment questions, as well as an information resource for internal staff in dealing with the vendor or other issues that arise day to day.
Independent expertise covering all aspects of plan operations, including investments, administration, and compliance, all available on-demand by phone, or by meeting when needed; provides significant help to the company in handling the day to day chores of running the plan.
Strategic Consulting and Participant Education/Advice
Assistance with how to best deploy current resources for maximum efficiency in plan design and operation, as well as how to improve participant awareness, understanding, and use of the plan.
Based on the latest marketplace trends, creative strategies on plan design, participant enrollment/ education/ advice.