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Retirement Services for Companies and Organizations
Our goal is to improve the retirement savings opportunities for plan participants through simplicity, transparency, and lower costs. We share the plan sponsor’s mission to help employees understand and achieve their financial goals. The process starts by sharing your fiduciary responsibility, implementing a plan design to help plan sponsors and participants make informed decisions, and then ensuring full transparency about the roles, responsibilities, and expenses involved with an effective retirement saving plan.
The typical retirement plan is an overwhelming experience for most employees. Starting with a long list of fund choices and investment options, the process of getting started with saving for retirement is daunting. Our approach is to work with the plan sponsor to design a retirement plan that works for the employees and can be explained clearly. We combine low fee investment strategies with professionally managed portfolios to meet a variety of risk appetites. Most importantly, we focus our efforts on increasing participation levels and savings rates to enhance the plan experience for your employees. This is accomplished through group and individual meetings, investment guidance, and a supportive approach that directly addresses the confusion most people face when thinking about retirement savings plans.
All plan sponsors serve as fiduciaries to their plan participants, whether they have embraced this responsibility or not. This means that you are legally held to the standard of an investment professional and that you will be held liable if the retirement plan fails to follow a prudent process for selecting and monitoring investment options. Fortunately we are able to transfer the liability away from you and welcome the role of serving as a fiduciary to make decisions in your participants’ best interests. We are also fully in-tune with the latest regulatory changes and evolutions for retirement plans, working to ensure that your plan is keeping up with the times.
As a Registered Investment Advisor (RIA), Flourish Wealth Management provides unbiased investment advice. All fees are fully disclosed and explained. Our goal is to provide the best possible investment experience for the plan sponsor and the plan participants, ideally working to find a retirement services solution that equally encourages and rewards participation. We will make clear recommendations for the investment options and providers that are most appropriate for your needs, including detailed data about the expenses associated with every decision. There is no such thing as a free lunch, and the providers involved with running a retirement savings plan deserve to be paid for their services, so our goal is to find the best possible solution at the most reasonable price while meeting fiduciary standards.