Broker Check


Experts in corporate retirement plan management

When managing a business, you are faced with many decisions including choosing a retirement plan for the first time or considering changing your current plan. A well-designed retirement plan can offer substantial benefits to you and your employees. There are a lot of things to consider when it comes to choosing the right retirement plan and we can help you find the right plan that meets both your goals and your budget.

*Data according to 55th annual survey conducted by the Plan Sponsor Council of America

Is your plan's investment performance lacking? Are the fees in your plan unclear? Curious to find out how your plan compares to your competitors?

When was the last time you reviewed your plan with your advisor?

Our Advisory and Consulting Approach

      1. Benchmark your current plan
        We benchmark the fees, services and participation metrics of your plan against similar plans using industry leading research. This satisfies the fiduciary obligations under both ERISA and the new 408(b)(2) fee disclosure rules. We can then make recommendations for any necessary changes.

      2. Consult on plan design
        A plan design review is critical to understanding if your plan’s provisions are maximizing the benefits available. These provisions address matching contribution formulas, profit sharing allocations, eligibility issues, and tax efficiencies.

      3. Assist in the design an Investment Policy Statement (IPS)
        As a plan sponsor, you can minimize your fiduciary liability by implementing an IPS which outlines a detailed, prudent plan of action for the plan’s investment managers and advisors to follow. It describes the plan’s investment philosophy, risk tolerance and long-term goals to help guide all decisions made regarding the plan.

      4. Provide ongoing plan reviews
        We review your plan's operational metrics such as participation levels, deferral percentages, loans, non-discrimination testing, enrollment and communication services. We also prepare performance analysis of investments utilized by the plan versus benchmarks and/or peer groups; monitor funds selected by the plan sponsor for style drift and correlation with fund investment objectives stated in the IPS; and provide regulatory and compliance updates.

      5. Manage employee communication and investment education
        We believe that coordinating enrollment meetings and providing ongoing investment education for participants regarding plan options is a valuable part of our service. We are available to your employees by phone and in person for individual consultation and schedule on-site enrollment reviews multiple times throughout the year.

      6. Provide personal financial and estate planning for employees
        Finally, we will educate plan participants about plan distribution alternatives, provide retirement cash flow analysis, and consult with retirees regarding investment asset allocation.

Additional Links and Resources

  • IRS’ web page on choosing a retirement plan for your business (with links to various related resources)

Want to learn more?

Connect with a Coble Cravens Financial Professional today to learn about how you can make the most of your retirement.

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