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401(k) Plans

As an employer and sponsor of a 401(k) plan, your company shoulders a major responsibility. You must listen to the needs of your employees and select the appropriate service provider(s) at a reasonable cost, determine the optimal plan design provisions, choose and monitor investments, keep up with legislative changes, ensure your plan is administered properly, and educate plan participants. All of this hopefully results in a plan that inspires employees to reach their financial goals while helping you recruit and retain valuable associates.

Unless your company has knowledgeable and experienced individuals who are dedicated to managing your employee retirement plan, you should consider hiring a financial advisor who specializes in 401(k) plans and is as dedicated to your needs as you are to your employees.

Successful Plan Components

Like complex machines, 401(k) plans have many different moving parts that must be coordinated to run smoothly and meet the needs of the organization sponsoring the plan. These moving components – people, firms and systems – represent the delivery structure of the various service areas such as administration, investment management and employee communications. Delivery of these services in a format consistent with your organization’s expectations is critical. If the different components don’t fit well together or match your needs, the results may include incorrect depositing of funds, inaccurate and untimely participant information or IRS reporting, and/or employees who don’t understand, appreciate or participate in the plan.

In general, all 401(k) plans have the same basic objective – to serve as a retirement savings plan for employees. However, there are many different 401(k) plan models that suit a wide range of specific company needs. The 401(k) advisor’s role is to help you set reasonable expectations, select the most appropriate plan, then manage all the components on an ongoing basis to help ensure a successful plan.

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Why Choose Us

An effective 401(k) advisor is much like a coach, coordinating the work of those with specific expertise in certain areas. Since you have the overall responsibility for all the various plan functions, it is important that you select someone who can manage the whole, rather than just certain parts.

Raymond James financial advisors are objective and fully independent in making their recommendations to you and your employees. We understand many factors are involved in the selection of 401(k) providers as each employer has specific needs and objectives that are important in this decision. Raymond James 401(k) advisors assist companies in evaluating alternatives and then, after providers are selected, coordinate the different components of the 401(k) process on an ongoing basis. Our goal is to build and foster long-term relationships with you as well as with your company and its employees.

Since one of the most significant roles of a 401(k) advisor is to educate employees about investments, an important distinction is whether that advisor is familiar with the many intricacies of today’s investment alternatives. As a plan sponsor, it is important to make sure you have a knowledgeable investment professional advising you and your participants.

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Our Role

Maintaining an appropriate retirement plan for your company often seems like a daunting task – especially when you consider everything else that goes into running a successful business. For us at Raymond James, it’s one of our specialties. In general, the role of a 401(k) advisor can be segmented into:

  • Developing an overall retirement plan strategy with specific goals to ensure success
  • Evaluating and selecting the appropriate service providers for your needs
  • Reviewing the plan design provisions such as matching contribution formulas, profit sharing allocations, etc.
  • Assisting in the design of the investment policy statement (IPS) to help minimize your fiduciary liability
  • Managing the implementation and transition to new providers
  • Serving as the primary contact for all aspects of plan servicing
  • Providing ongoing plan reviews
  • Managing employee communication and investment education
  • Educating plan participants about plan distribution alternatives, provide retirement cash flow analysis, and, whenever necessary, consult with retirees regarding investment asset allocation

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Contact Us

Contact us for more information or to schedule an appointment:

  • Telephone 703.584.3470
  • Email

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Securities offered through Raymond James Financial Services, Inc., Member FINRA SIPC are: Not deposits, Not insured by FDIC or any other government agency, Not guaranteed by Cardinal Bank, Subject to risk, May lose value. Cardinal Bank and Cardinal Wealth Services, Inc. are independent of Raymond James Financial Services.

Raymond James financial advisors may only conduct business with residents of the states and/or jurisdictions for which they are properly registered.  Therefore, a response to a request for information may be delayed.  Please note that not all of the investments and services mentioned are available in every state.  Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site.  Contact your local Raymond James office for information and availability. 

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