Do you have the right retirement plan for your employees and your business?

A well constructed retirement plan can help employees plan for the future, and help you attract and retain a motivated, productive workforce.

Engaged Employees

With a 401(k), employees are 5x more likely to be engaged1

Recruit & Retain Talent

89% of employees think a retirement plan is important.2

Increase Revenue

A 5% increase in employee engagement equals 3% revenue growth3

1 “Retirement Security Tops List of Concerns,” Towers Watson Insider, April 2014
2 Employee Job Satisfaction and Engagement Survey, Society For Human Resource Management, November 2014
3 2015 Trends in Global Employee Engagement, AON Hewitt

Our Role

We sign on as co-fiduciaries to your company's retirement plan

Whether it is a 401(k), 403(b), or Defined Benefit Plan, our plan consultants will help you stay current on new regulations and requirements affecting plan sponsors and their participants.

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Co-Fiduciary Responsibility

Our advisors can act as 3(38) investment managers, the highest level of fiduciary responsibility provided by ERISA.  We also provide a secure online portal in which we will store your quarterly reports, meeting minutes, and other important plan documents.

Financial Wellness Education

Participant education is essential to a successful retirement plan.  Working with your retirement plan committee, we can assist in coordinating an education program tailored to your firm’s needs.

Plan Benchmarking

An organization has an ERISA obligation to ensure that what your business is paying for investments, record-keeping, and administration is “reasonable”.  We regularly evaluate the the competitiveness of your plan, conducting independent value and fee benchmarking of your service providers.

We Provide

  • Investment Policy Statement Preparation Assistance
  • Ongoing Investment Monitoring
  • 404(c) Assistance
  • Qualified Default Investment Alternative Assistance
  • Custom Model Portfolios
  • Service Provider Liaison
  • Performance Reports
  • Education Services to Plan Committee
  • Participant Education and Enrollment
  • Fee Benchmarking Services

Additional Retirement Plan Services We Offer

Succession & Exit Planning

Business succession and exit planning is a vital step for business owners, enabling you to manage the transition of your business to future owners and management. If done successfully, it creates a clear path to protect you, your family, your employees, and your business.

At Independence Square, we will work with you and industry specialists in developing a comprehensive and coordinated plan. Business continuity planning can protect your rights in a number of important ways. Some owners live to see the day they leave their company, but many do not.

Proper business continuity planning seeks to bring stability to a chaotic time for the people and things you care for most, should key members of your organization become unavailable.

Group Employee Benefits

If you’re in charge of your company’s employee benefits program, you’ve definitely got a lot on your plate. You have to worry about government regulations and the rising cost of health insurance premiums, as well as thinking about state and federal law compliance, all while keeping your company’s costs low.

You may be new to the group employee benefits scheme, or you may have been charged with improving your company’s already existing employee benefits. Whatever the task you’re faced with, we can help.

At Independence Square, we have the knowledge and framework to help you create a plan that addresses your issues. Once we’ve determined the best course of action, we don’t leave you hanging.  We also help implement the group employee benefits plan we conceive together and aid you in communicating it to your company’s employees.

Types of group employee benefits we offer:

  • Health Insurance
  • Life/Accidental Death and Dismemberment
  • Short-Term Disability
  • Long-Term Disability
  • Vision Plans
  • Pension and 401(k) Plans
  • Medical Savings Accounts
  • Dental Coverage
  • Prescription Drug Coverage
  • And more…

Executive Benefits

Industry experts say you should have at least 80% of pre-retirement income to maintain your current standard of living post-retirement. For many, especially individuals in higher income brackets, this is a challenge because many retirement plans and group insurance plans place limits on contributions, layouts, and tax advantages, causing a retirement income gap.

Whether you want to help raise your grandchildren or spend winters in Florida, we can help you reach your retirement goals.

What is the retirement income gap?

If you’re a highly paid executive or a business owner, you may face an income gap, especially if you are relying on Social Security and qualified plans exclusively. This income gap could mean that you are receiving as little as 30% of your current income in retirement, which is what creates the gap.

How can we help?

At Independence Square, we can help you avoid the retirement income gap by advising your business on Executive Benefits. We will work with you to determine the strategies that align with your specific financial objectives and tailor an easy-to-implement plan that allows you to pursue those goals.

Whether you already have a retirement plan in place, or you’re looking to change your existing plan, we can help. Get in touch with one of our team members to start planning for your financial future now.

Important Notices

This information was developed as a general guide to educate plan sponsors, but is not intended as authoritative guidance or tax or legal advice. Each plan has unique requirements, and you should consult your attorney or tax advisor for guidance on your specific situation. In no way does advisor assure that, by using the information provided, plan sponsor will be in compliance with ERISA regulations.