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Retirement Plans
Dedicated employees deserve the opportunity to enjoy the fruits of their labor.
Allow us to assist you in developing retirement plans that provide long-term support to your valued team members.
Our team has provided investment management services to defined contribution and defined benefit retirement plans since 1982. We currently provide a range of services to a large number of participant-directed plans, trustee-directed (pooled) plans and non-qualified deferred compensation plans.
We provide retirement plan consulting services to trustees as well as investment management and customized education to participants in the plan. Our services enable trustees to meet their fiduciary obligations while providing a qualified plan designed to meet the long-term goals of the business and participants.
Our Process
We perform detailed reviews and evaluations of existing plans, apply a rigorous due diligence process to the products and services of investment providers and, based on the plan trustees’ goals, provide alternatives for an investment provider. We then make recommendations for the selection of specific investment alternatives to be offered to the plan participants. We prepare a formal Investment Policy Statement (IPS) to outline the policies and procedures used for conducting initial and ongoing investment manager due diligence and for compliance with fiduciary responsibilities.
Education
We pride ourselves on offering quality education that’s specifically tailored to our clients. In order to empower our clients to make the most of their financial assets, we believe it is important to provide them with an understanding of investment concepts that fit their unique lifestyles. We also equip them with the ability to develop personal investment strategies according to their own risk tolerance and stage in life. We provide participant education in group employee meetings and make ourselves available for follow-up at your convenience, in person or via telephone. Participants are encouraged to contact Roehl & Yi with questions regarding any aspect of their 401(k) plan.
In addition to enrollment meetings, we offer a series of continuing education classes in the following categories:
- Savings
- Asset Allocation and Rebalancing
- Pre-Retirement Planning
- Social Security
- Financial Planning
- How to Use Your Retirement Plan’s Website
Trustee-Directed
We provide customized investment management services to trustee-directed qualified plans. We begin with a detailed analysis of the current investment activities for the plan. Based on the demographics, expected cash flows and objectives of the plan, we develop asset allocation targets. Once the targets are affirmed, we design and implement an investment strategy. We apply a rigorous due diligence process to select and monitor the investments we recommend. One or more of our investment professionals meet regularly, usually quarterly, with trustees to review investment performance and evaluate the need for adjustments.
Non-Qualified
We can assist in the establishment and funding arrangements of non-qualified retirement plans such as deferred compensation plans. Our non-qualified plan consulting services give you flexible solutions to supplement existing qualified retirement plans. We will design a plan aligned with business objectives such as allowing increased tax-deferred contributions for key employees or executives. We will consider key features such as tax considerations for the company, credit exposure for the participants, participant eligibility, contributions, vesting, and funding options.