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Retirement Plan Services

PLAN ANALYSIS & CONSULTING

At Crossroads Financial, we kick off your retirement plan with comprehensive services designed to help you make educated decisions about plan providers.

First, we benchmark your current plan with an annual plan cost analysis, plan metrics, health reporting, industry trends and advisor fees and services. Then, we do our research to better help you decide which type of plan and which providers will work best for you.

Because we are not associated or directly affiliated with any carriers or investment providers, we provide you with an unbiased approach. This allows us to thoroughly research and evaluate plan providers on fundamental products, services and cost components.

During our search, we'll apply our services to our fee based structure. With this compensation structure, no conflicts of interest arise while we help you make your plan choices.

Contact us to learn more about how Crossroads Financial can provide you with retirement plan analysis and consulting.

PLAN DESIGN & IMPLEMENTATION

Once Crossroads Financial helps you decide what play to run, we are ready to implement it too. As investment advisors, we coordinate with the third party administrators (TPA), record keepers and service providers to execute the game plan.

As a team, we'll work together to choose a plan design by evaluating your potential costs savings and tax benefits. And we'll consider executive compensation options.

When your plan is chosen, Crossroads Financial will work onsite and meet with any or all new participants and create a mapping strategy for your existing investments.

Contact us to learn more about how Crossroads Financial can assist with your retirement plan design and implementation. 

INVESTMENT SELECTION & MONITORING

There are many investment vehicles and options made available by various plan carriers. To make your investment decisions easier and smarter, we bring a structured investment monitoring strategy to the court.

When your investments are selected, we help you develop and refine your investment policy statement to reduce your plan costs. We also continuously keep you informed with economic updates such as monthly investment reviews and plan snapshot emails so you can make informed decisions on your investment choices.

We can also reduce plan costs by providing individualized allocation advice and lessen the need for managed accounts & more costly investment alternatives.

Some investment options/decisions:

  • MUTUAL FUNDS
  • SEPARATE ACCOUNTS
  • SELF-DIRECTED BROKERAGE OPTIONS
  • ETFS
  • MANAGED ACCOUNTS (TARGET DATE FUNDS &RISK BASED PORTFOLIOS)
  • MONEY MARKETS
  • STABLE VALUE FUNDS & CASH ALTERNATIVES

Contact us to learn more about how Crossroads Financial can provide you with unmatched investment selection and monitoring services. 

FIDUCIARY SUPPORT

At Crossroads Financial, we understand the challenges of being a plan fiduciary. That's why we have a comprehensive process that is designed to protect plan sponsors and trustees from additional fiduciary exposure and liability.

Our fiduciary support includes:

  • COMPLIANCE REVIEWS, DOL AUDIT PREPARATION, PLAN DOCUMENT REVIEWS
  • EDUCATION POLICY STATEMENT
  • INVESTMENT POLICY STATEMENT
  • ONGOING COMMITTEE TRAINING
  • PLAN CALENDAR & SERVICE PLAN (INCLUDING ANNUAL REVIEW, SCHEDULED INVESTMENT REVIEWS & PERFORMANCE UPDATES)

Contact us to learn more about how Crossroads Financial can provide fiduciary support with retirement plan services. 

EMPLOYEE EDUCATION

As a registered investment advisory firm, Crossroads Financial can go beyond what brokers and insurance salespeople offer plan participants. We create a customized portfolio and communication strategy for every client and we educate each individual along the way.

Our experience as investment advisors allows us to give advice beyond just selecting investments in a retirement plan. We can dig deeper and give holistic advice that addresses not only retirement planning, but decisions in all aspects of your financial well being.

We also offer enrollment & initial plan education meetings, 1-on-1 meetings and on-site education seminars. For more information on the employee education provided by Crossroads Financial or to schedule seminars for your employees, Contact us directly and we'll be glad to share our knowledge with your team.