Qualified Employee Retirement Plans

Our Approach

As professionals with many years of experience in corporate retirement plans, our role is to serve as your company’s advocate – helping you connect your goals with the resources you need to accomplish them.

We offer comprehensive services for a variety of defined contribution plans, including 401(k) Plans, Employee Stock Ownership Plans (ESOPs), Profit Sharing or Stock Bonus Plans, 403(b) Plans, and Simplified Employee Pension Plans (SEPs)

Our approach is based on a business model supported by three core pillars: Simplicity, Focus and Balance.

1. Simplicity

We do the Work for You

Evaluate your current retirement plan, a process that includes identifying places where you may be paying hidden and unnecessary fees
Vendor benchmarking
Maximize tax benefits
Protect you and your company’s fiduciaries from unnecessary litigation
Write a Request for Proposal (RFP) and analyze proposals to make sure you obtain the best solution
Monitor your plan investments
Educate and motivate your employees to participate

2. Focus

Results, Not Procedures

Think of us as one of your employees — one who just doesn’t happen to have an office on site.
Our expertise is in helping you get the results you want, and helping you understand the complex rules and regulations.
We sit on your side of the negotiating table to find the best retirement plan solution for your company.
Once your plan is implemented, we monitor it regularly to make sure it continues to meet your company’s goals over time.
That leaves you free to focus on what you do best: running your business.

3. Balance

Minimize Costs, Maximize Value

Like many business owners, you are likely concerned about plan costs.
Often, we are able to uncover places where you are paying unnecessary expenses and use that money to reduce your plan’s future expenses and cover other plan fees.
Our Retirement Plan Diagnostic is conducted at the outset of our relationship and then, on a regular basis, to determine if there are opportunities for cost savings or program enhancements. This allows us to identify strategies and elements that may have been overlooked or not kept current.

Our Process

Part of our value to you is our capability to deliver significant resources with focused solutions based on your company’s needs.

Through our years of experience working with corporate retirement plans, we have acquired a broadbased knowledge of pricing and plan providers across multiple platforms.

This enables us to offer a comprehensive suite of services and allows us to guide you in making smart, objective decisions in a wide range of areas, including:

1. RETIREMENT PLAN DIAGNOSTIC

We help you define your organization’s benefit plan and investment objectives, and review your existing program using our Retirement Plan Diagnostic.

2. RETIREMENT PLAN DESIGN

Based on our review and analysis, we design the plan. With existing plans, we recommend opportunities for cost savings or benefit enhancements by identifying strategies and elements that may have been overlooked or not kept current.

3. FIDUCIARY SHIELD

We help you meet your fiduciary responsibilities and control risk by developing a formal Investment Policy Statement. The IPS is based on your plan design and benefit structure, and establishes clear, objective criteria for selecting and monitoring investment managers and asset management strategies.

4. RFP MANAGER

We sit on your side of the negotiating table to walk you through the RFP process. We help you manage the flow of information and analyze and compare proposals to guide you in making informed and knowledgeable decisions about providers such as custodians and third party administrators.

5. EDUCATION EXPERIENCE

We manage every step of the transition from your current retirement program to your new program. We enroll your employees and educate them about the benefits of their new program. We engage their interest and participation through regular education and financial planning briefings.

6. WEALTHCARE MONITOR

We manage the health and welfare of your retirement program over its lifetime, advising you of regulatory changes, program enhancements and investment due diligence. We regularly perform Diagnostic Reviews to continually gauge your program’s performance in light of changing regulations, market conditions and your company’s situation.

Focused Solutions

Through our years of experience working with corporate retirement plans, we have acquired a broadbased knowledge of pricing and plan providers across multiple platforms.

This enables us to offer a comprehensive suite of services and allows us to guide you in making smart, objective decisions in a wide range of areas, including:

RECORDKEEPING

Participant-level recordkeeping/accounting
Employee and employer reports
Tracking investment allocations/changes and contribution changes

TECHNOLOGY SERVICES

Services that enhance plan efficiency, productivity, understanding and value
State-of-the-art technology
Web-based participant investment tools
Web-based employer tools

EMPLOYEE COMMUNICATIONS

Materials describing plan design and investing
Enrollment kits
Payroll stuffers, posters, memos
Newsletters

COMPLIANCE

Plan document
Summary plan description
Annual 5500 and pertinent schedules
ERISA Plan audit (if applicable)
Discrimination testing

INVESTMENT MANAGEMENT

All available investment offerings including cash, income, hybrid and equity investments
Open architecture

COST ANALYSIS

Hard dollar fees (that are a specific amount) – paid by the employer or employees, including participant recordkeeping, compliance, loan administration, hardship and distribution fees
Soft dollar fees (that are a specific percentage) – generally paid by employees for investment management expenses and to subsidize some or all of the administrative fees

Fiduciary Guidance

CFOs, CEOs, Presidents and other fiduciaries have personal liability for assets in the company’s retirement plan. The following chart provides an example of fiduciary considerations required of plan sponsors by two ERISA regulations passed in 2013. Additional regulations are currently being considered by Federal legislators.

To help you comply with these and other ERISA rules, we provide fiduciary guidance and tools to help you reduce your exposure to fiduciary liability.

Connect with Us

4605 East Galbraith Road, Suite 200
Cincinnati, OH 45236
(513) 898-9100
info@touchpointwealthpartners.com

Advisory Services offered through Valmark Advisers, Inc. a SEC Registered Investment Advisor. Securities offered Through Valmark Securities, Inc. Member FINRA, SIPC 130 Springside Drive, Suite 300 Akron, Ohio 44333-2431 1-800-765-5201 TouchPoint Wealth Partners is a separate entity from Valmark Securities, Inc. and Valmark Advisers, Inc.

Click here for Valmark Customer Relationship Summary.

Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.