Corporate Retirement Plans

Employer Retirement Plan Client Requirements & Fees

With all qualified coporate retirement plans that we manage, we strive to achieve financial independence for all participants. While this is not easy, we seek to benchmark the plan, increase participation and ensure an employee benefit that a sponsor/trustee can be proud to offer.

It is our observation that many qualified plans, such as the standard 401(k), provides employees with poor choices, little opportunity for success and high employer costs and administrative fees. You should be revisiting your employer retirement plan if the total plan expenses exceed 1.5% per year.

Fees for Investor Solutions services are as follows:

The Process: Our Only Incentive is Your Mission Success

Getting To Know You

Investor Solutions understands that not all Plan Investors and investment managers are a good fit for each other. We want all our clients to feel comfortable with our company, advisors, services and investment philosophy prior to engaging us. We will first want to meet or teleconference with the Plan Sponsors/Trustees to discuss the current retirement plan and how we might be able to help in measureable ways.

Data Gathering

The Data Gathering stage involves getting to know the type details and features of your current Plan, the type of business entity, Distribution features among many other factors. We do this with a detailed Confidential Questionnaire for the purpose of developing an investment strategy that is tailored to your organization and employees. Documents that we will want to see include a copy of the most recent Summary Plan Description, Copy of the most recent Form 5500 Filing, Copy of the most recent annual recordkeeping and/or compliance report and a sample participant statement.

Analysis & Proposal Stage

Once we receive and review the Confidential Questionnaire with all the plan data we will analyze the effectiveness of the plan taking into account many factors such as the number of participants, the plan assets, the costs, etc. We will benchmark the plan to see if it is on track to provide the participants with financial independence. We will then present to the Plan Sponsor/Trustee(s) with an overall strategy that we believe will help achieve the employer’s goals and employees’ long-term objectives.

Strategy Implementation

In the Strategy Implementation we will develop a cost effective strategy to implement the new investment plan and will now send a proposed investment policy statement, a contract and the necessary account applications and transfer forms.

Account Set Up

Determination will be made on Third party Administrator and Custodian for the Pension Account. All of the Plan’s accounts will be open at the custodian of choice under the name of the organization. Investor Solutions does not custody client assets. We are only assigned to your account as the advisor with limited powers to trade and make changes with prior approval.

We will prepare all paperwork necessary to open the accounts. We will keep the Plan Sponsor/Trustee(s) informed of the process and confirmations of any trades and/or changes will be provided directly from the custodian.

Account Transfers

Depending on the assets held in the current account(s) we will liquidate some or all positions and then move them to the new account(s).

All account transfers will be done taking into consideration expenses, surrender charges and trading costs. The Plan will receive confirmations of all account activity including any trades and transfers as they occur.

Account Monitoring

We will track the transfer(s) to ensure accuracy and will begin implementing the new investment plan by purchasing the new funds. The Plan’s account will be continuously monitored from this point forward to ensure that it remains on target with the desired asset allocation.

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Account Custody: Maintaining and Protecting Your Plan’s Assets

Investor Solutions is an independent investment advisor. We do not hold assets for our clients. Investor Solutions, Inc. exercises only a limited power of attorney to direct client trades within the client account as per an agreed upon investment policy statement (IPS).

Our client accounts are held at some of the most reputable discount brokerage houses in the country and are titled in the client's name only. Any disbursements from that account may only be made to the client at his/her address of record, or the client's bank account.

Clients receive original copies of each purchase, sale, or disbursement, a monthly statement, and consolidated tax reporting at year end. The custodian provides an electronic link and other back office support to Investor Solutions, Inc., which allows us to direct and monitor client accounts on a daily basis.

We are not employees of the custodian, and receive no compensation from them for placing trades through them. We are free to recommend any discount brokerage house or trust company to provide custody for client accounts. We recommend our custodians based on the best combination of services, cost to our clients and their financial strength. No one ever has to worry about the financial integrity of our custodians.

In addition, assets are insured up to $500,000 in accounts held in each separate account capacity (e.g. operating account or capital account), with a limit of $100,000 for claims of cash balances by the Securities Investor Protection Corporation (SIPC).

Each custodian also provides excess account protection above SIPC limits. Details vary by custodian. (Account protection does not cover fluctuations in the market value of securities)

As part of our agreement our custodians also provide customers of Investor Solutions, Inc., a discount from their published fee schedule

To find out more about our corporate retiement plans service, fill out our request for information form here