What Makes Us Different

At Benefit Solutions, our methodology is what sets us apart from other financial planning firms. We believe your portfolio must not only consider your current financial situation and long-term goals but also the unique circumstances in your life. We work with individuals and institutions to design and manage customized financial portfolios that increase the probability of success, and we've been doing that for more than 25 years.

 

Comprehensive Financial Planning

Benefit Solutions is a professional in the employer sponsored pension plan market place. We take care of the entire plan from start to forever. Employer sponsored retirement plans require ongoing service with plan and document reviews, law change updates, testing reviews and enrollment meetings. We do it all. We are your independent financial advisor and consultant, offering less cost and more benefit for you by recommending the right comprehensive retirement plan program utilizing many different investment providers.

Many advisors talk about customization; for us, it means something different. We do not believe that simply putting you in a model portfolio based on your risk tolerance or age is enough. For an advisor to truly design an appropriate portfolio, the advisor needs to understand your goals, such as future income needs or the desire to leave a legacy to the next generation. The advisor must also consider the significance of all your assets and available income sources – such as real estate, Social Security and pensions – as well as the expected impact of income and estate taxes, both today and in the future. At Benefit Solutions, we evaluate all of these elements and much, much more before we recommend a single investment.

 

Our Fiduciary Promise

Many other firms receive compensation in the way of commissions, so buying and selling are encouraged regardless of how it impacts your financial plan. Following fiduciary standards, we are legally and ethically bound to always act in your best interest.

We take our roles as trusted advisors seriously. We will be there to guide you in selecting the right asset allocation and investment strategy, using techniques developed over multiple market cycles. We earn our clients' trust and confidence in our approach to personal finance by tailoring our strategic investment recommendations to their personal situation. Our goal is to help you plan for life events you expect and overcome those you don't.

 

Working With Us

Working with us will be different than with some Wall Street firms. We'll take the time to get to know you, your plans and your goals well enough to achieve your retirement dreams. Our relationship will be more of a warm partnership than a cold client-advisor relationship.

To us, you're a human, not an account. Everything we do is based on your plans and needs. Would you like to be in contact frequently or on an “as needed” basis? We can work either way. Our flexibility and attention to personal detail help to distinguish us from the other, more corporate firms out there.

Get to know us, and you'll discover how our approach is better. We look forward to meeting you!

 

We will build new plans or redesign existing plans as needed. We provide retirement plan strategies for the following plan types:

  • 401(k) and 401(k) Safe Harbor Plans
  • Individual Retirement Plans
  • Profit Sharing Plans
  • Defined Benefit Plans
  • Age-Weighted/New Comparability Plans
  • Money Purchase Plans
  • 457(b) Governmental and Tax-Exempt Plans
  • ERISA 403(b) Plans

 

Special services from our provider relationships:

  • Plan providers with high ratings marks
  • Cost-effective retirement plan programs
  • Exclusive third party administrators
  • Multiple investments/multiple fund families
  • Self directed brokerage accounts available
  • On demand participant investment advice
  • Enrollment & re-enrollment meeting support
  • Toll-free telephone & internet account access

 

Our personalized services include:

  • Provider evaluation and selection assistance (we search the marketplace)
  • Customized plan design/flexibility and choice
  • Needs assessment, provider search and selection
  • Program Implementation Services
  • Investment portfolio, plan design, review, and transition assistance
  • Compliance with 404(a) and 404(c)
  • Investment Policy Statement design consultation
  • Assistance in selecting and monitoring your plan's investment portfolio
  • Plan design solutions that meet your company's needs
  • Participant education program
  • Investment consulting for participants
  • Customized/personalized enrollment material
  • Ongoing maintenance and periodic plan and investment review
  • Employee communication, portfolio review, and re-enrollment meetings