RETIREMENT PLAN CONSULTING

There is no better time than the present to be sure you are utilizing your corporate retirement plan to its fullest potential by reviewing your fiduciary processes for monitoring the plan and current plan design.  At AIR Financial, we recognize that making the right decisions with your plan today can help ensure retirement ready plan participants and mitigate fiduciary pitfalls.

Prudent guidance by plan sponsors and fiduciaries is a requirement for Retirement Plans. We utilize plan documents to implement procedures and educate plan sponsors on each  responsibility that is incumbent upon them.  When actions are conducted they are diligently documented and conducted in the best interest of participants and beneficiaries. Following an established process is essential to fiduciary prudence. Our approach identifies potential weaknesses and assists with correcting any deficiencies through a collaborative effort with the plan sponsor.

Every corporation has unique goals and demographics.  Effective plan design can be the key to retirement readiness and utilization of the plan as a corporate benefit.  Our approach begins with each client’s distinctive goals and objectives leading to incorporation of solutions that will best position them to manage stated goals.

Choosing the appropriate service provider to meet the stated goals of the plan sponsor is a central fiduciary act. We believe that developing the request for proposal is as distinctive as your goals and is imperative to the selection process. AIR Financial is your proxy throughout the process to assist with evaluating proposals and guiding the plan sponsor through any possible change.

We incorporate a documented due diligence process through utilization of an Investment Policy Statement.  Without a process that incorporates meticulous investment analysis, plan fiduciaries may be personally liable for poor returns or excessive fund fees.  AIR Financial works alongside plan sponsors to mitigate liabilities by applying a strict regimen for every step of the investment process, from establishing the Investment Policy Statement to selection and monitoring of the plan’s investments.

Retirement readiness for plan participants is something of which we never lose sight.  The main objective for a retirement plan is to empower plan participants with the resources to retire with dignity. We provide plan sponsors and their participants with life planning that is comprehensive, objective, and clear. Subsequently, participants are more engaged, better informed, and are more likely to take positive action leading to greater retirement readiness.

Securities and Retirement Plan Consulting Program advisory services offered through LPL Financial, a registered investment advisor, Member FINRA/SIPC.