Retirement Plan Services. Consulting Services for Employer-Sponsored Retirement Plans

Transcription

1 Retirement Plan Services Consulting Services for Employer-Sponsored Retirement Plans

2 Introduction The Retirement Plan Services Group at HighTower is a multi-disciplinary team of fiduciaries combining expertise in retirement planning with customized solutions for corporate executives. With offices across the country, we manage over $3 billion in assets and provide strategic advice for top U.S. companies and their senior management teams. 2 HIGHTOWER

3 The HighTower Story Overview HighTower is a national financial advisory firm offering a distinct model that blends objective wealth management advice with a robust technology and services platform. Our dedication to transparency in wealth management for investors and comprehensive support for independent advisors sets us apart. Open Access Because we do not sell or manufacture financial products, HighTower advisors are less constrained in terms of investment providers than those who work for large brokerage firms. As a result, our clients often have access to products not available to traditional brokers. At a Glance FOUNDED 2008 Named #2 to the Nationwide Top 100 Wealth Managers 2015 HEADQUARTERS Chicago REGIONAL CORPORATE CENTERS New York & San Francisco OFFICES 58 Nationwide Named to Inc list of fastest-growing private companies EMPLOYEES 450+ ADVISOR TEAMS 69 TOTAL ADVISORS 199 CLIENT ASSETS $36.5B More than 38% of HighTower Advisors are Barron s ranked as top advisors 2016 AS OF Q HIGHTOWER 3

4 Your Team of Trusted Advisors Peter T. Godfrey, cfp, aif Senior Plan Advisor (443) Peter Godfrey brings over 20 years of investment advisory and fiduciary consulting experience to HighTower. His industry-focused experience includes 12 years of plan consulting for a recordkeeper/administrator. Peter s entire career in financial services has been marked by building relationships based on professionalism and integrity. John Wesley Clayton cfp Managing Director, Partner (256) wclayton@hightoweradvisors.com A 30-year industry veteran, Wes responsibilities include long-range strategic planning, retirement and estate planning, wealth transition and risk management. Michael P. Ahearn, crps Managing Director, Partner (256) mahearn@hightoweradvisors.com Michael is responsible for individual and corporate retirement planning strategies, lending liability management, and wealth management strategies. Michael has dedicated over 20 years within the healthcare, technology and financial industries. His diverse experience allows him the deep knowledge to provide excellent advisory services for the retirement plan participants across various businesses and corporations. Henry (Moss) E. Crosby Jr. Managing Director, Partner (256) mcrosby@hightoweradvisors.com Moss focuses on long-range strategic financial, corporate, retirement and estate planning analysis, as well as alternative investments and business advisory services. Jania Stout Retirement Plan Practice Leader (443) jstout@htfpa.com Jania brings more than 20 years of experience in ERISA plan consulting to HighTower. She is a member of the National Association of Plan Advisors (NAPA) Leadership Council and was named 2016 Retirement Plan Advisor of the Year by PlanSponsor. Fiduciary Plan Advisors is recognized as one of the 2017 Top 100 Retirement Plan Advisors in the country by Plan Advisor 4 HIGHTOWER

5 Your Team of Trusted Advisors Chad J. Wilson, cfa, cfp Director of Investment Consulting (443) Chad oversees the team s process of selecting and monitoring investment managers, provider fee negotiation, and the due diligence surrounding selecting non-fiduciary service providers, such as a plan s recordkeeper, administrator, actuary and custodian/trustee. Robert D. Warren, MBA Private Wealth Advisor (256) rwarren@hightoweradvisors.com Robert D. Warren has been an investment professional since 2012, focused on financial and retirement planning for clients in the defense and aerospace industries. Rob s mission is to provide clients with the best-inclass service, understanding that each individual has a unique set of objectives and situations. John P. Gibson Financial Analyst (256) jgibson@hightoweradvisors.com John P. Gibson began his career as a financial analyst for a Fortune 500 aerospace and defense company, later leaving to pursue his interests in investments and the market. His responsibilities include investment analysis, assisting with long-range strategic financial, corporate, retirement and estate planning, and alternative investment analysis for clients. Lauren Pearson, cfp Managing Director, Partner (205) lpearson@hightoweradvisors.com Lauren leads the Birminghambased Multi-Family Office, and focuses on personal financial planning, charitable gifting strategies, and family governance and education. Jaime Day Executive Director, Private Wealth Advisor (256) jday@hightoweradvisors.com With more than 20 years of experience, Jaime specializes in private wealth management, corporate retirement services and executive financial planning services. Fiduciary Plan Advisors is recognized by Plan Advisors as one of the 2017 Top 100 Retirement Plan Advisors in the country HIGHTOWER 5

6 Retirement Plan Services

7 We Bring the Experience You Need Employer-sponsored retirement plans are a great way for businesses to attract, retain and reward valuable employees; however, the responsibilities of sponsoring a plan can be complex, time-consuming and difficult for a business to execute on its own. Founded by former leadership from retirement plan providers, HighTower Fiduciary Plan Advisors can help guide you through the process of creating, implementing and managing an employer-sponsored retirement plan. We focus on ensuring that our clients receive the most out of their plan provider relationships. We act solely in the best interests of our clients and their participants in our role as a fiduciary, protecting our clients business and enabling their employees to save for a financially secure retirement. Our backgrounds include experience as recordkeepers/service providers, investment consultants and plan sponsors, enabling our team to deliver a depth and breadth of expertise that drives better results and efficient operation of your plan. We understand the challenges our clients face and have developed a service model to best address their needs. Areas of Expertise Plan design, plan governance and ERISA compliance Investment consulting 3(21) Fiduciary Advisor Employee education and financial wellness programs Fee and service benchmarking Vendor management and contract negotiations Vendor and investment management searches 401(k), 403(b) and Defined Benefits/Combo Plans Non-Qualified Deferred Compensation programs Designations CFA CFP MBA AIF National Influence Member of Leadership Council at NAPA (National Association of Plan Advisors) Recipient of the 2017 Top 100 Retirement Plan Advisors in the country Past recipient of National Financial Educator Award Former board member of American Benefits Council Past President of National Defined Contribution Council Member of the Retirement Advisor Council Recipient of the NAPA Leadership Award for top advisor team in country HIGHTOWER 7

8 Our Comprehensive Approach Guided Process We deliver full-service consulting on all types of employer-sponsored retirement plans. Fiduciary Responsibility Our advice provides you with an unobstructed view of your plan. Education and Communication A tailored comprehensive education strategy aligned with the goals of your organization. Along with implementation of strategy and results analysis to measure if both the plan and participant s goals were achieved Benchmarking Independent fee and service benchmarking to ensure that plan costs are reasonable and competitive Technical Expertise Deep experience in plan design consulting, audit support, administrative procedures, legal notices, and mergers and acquisitions Documentation Fiduciary Fitness Program, Compliance and Notice Checklist, and Client Service Plan Fiduciary Training Fiduciary training to ensure our clients understand their responsibilities and stay up to date on key legislative and regulatory topics ERISA 3(21) and 3(38) oversight Planning Proactive examination, analysis and documentation processes to ensure that goals and objectives are being met Process Investment Policy Statement, Quarterly Investment Monitoring, and Committee minutes documenting diligence and decisions Objectivity & Transparency We provide a comprehensive investment selection and a monitoring process reflecting diligence and objectivity. Independent Platform Access to major 401(k) service providers No upfront cost Full fee transparency Access to thousands of mutual funds Index Active Target Date Risk-based Objective investment selection and reporting process 8 HIGHTOWER

9 Financial Wellness in the Workplace True financial wellness comes when inspiration and education are combined with small action steps that can change the behavior of financial decisions. Our process to improve the overall financial well-being of our clients employees is accomplished by the following steps: Annual Education Strategy Meeting Goal-setting for the Financial Wellness strategy of the organization Health Implementation Multi-partner approach to implement Financial Wellness strategy to achieve these goals Measurement Evaluate implemented impact of the strategies Wellness Financial Wellness in the workplace: Merging the discussion of Health & Wealth to create a common Wellth-ness goal for our clients Multi-tiered approach customized for each client covering all employees from the executives to the core workforce Happiness HIGHTOWER 9

10 Planning & Investment Services for Key Employees

11 Planning & Executive Services for Key Employees Pre-IPO Planning Pre-IPO Planning Risk Management Single Stock Management Liability Management Credit-Based Solutions Fed Funds-Based Lending Family Office Services Estate Planning Philanthropic Planning Values-based Planning Financial Planning Insurance Planning Document and Data Vault Wealth Transfer and Income Planning Scheduled Tax Summary Reports Asset Management Investment Policy Guideline Drafting and Oversight Asset Allocation Strategy Portfolio Construction and Management Investment Consulting HIGHTOWER 11

12 HIGHTOWER TWICKENHAM 100 Church Street SW Suite 625 Huntsville, AL Office: (256) Fax: (256) th Street North Suite 500 Birmingham, AL office: (205) fax: (256) hightoweradvisors.com/twickenham HIGHTOWER FIDUCIARY PLAN ADVISORS Mill Run Circle Suite 830 Owings Mills, MD Office: (443) Fax: (443) htfpa.com 2017 HighTower Securities offered through HighTower Securities, LLC Member FINRA/SIPC/MSRB HighTower Advisors, LLC is a SEC registered investment adviser