Corporate

Retirement Plan Analysis

• Six-Key Elements:
  • Investment Menu
    Many retirement plans have inferior investment menus resulting in inferior returns and/or unnecessarily high levels of volatility
    IFC Benefit: Active, Systematic, Independent monitoring of the menu and a multi-manager line up with no mandatory proprietary funds.
  • Fiduciary Liability
    Very few business owners, plan trustees or other executives realize the level of personal liability they are taking on while acting in a fiduciary capacity.
    IFC Benefit: Adherence to an Investment Policy Statement, ERISA Guidelines, and offer a Contractual Fiduciary Agreement by an RIA.
  • Education
    Most retirement programs, when launched, offer participants a genric enrollment packet and little guidance.
    IFC Benefit: Our clients have an enormous advantage because our CFE® credentials through the Heartland Institute of Financial Education. Teaching every employee the “Fundamental of Financial Wellness” empowers them with knowledge in budgeting, debt elimination, insurances, investments, retirement planning, tax planning and estate planning. No plan provider can offer this level of comprehensive education.
    
  • Customized Plan Structure
    Many employers do not realize the options available in customizing their plan design. An improperly designed plan document, or perhaps simply by using a protocol document could cost the ownership and management of the business thousands of dollars annually.
    IFC Benefit: Custom plan design scenarios are developed annually, empowering employers to make informed decisions on the allowable accounting methods that would be the best fit.
  • Service
    Unfortunately, most plan providers compensate contracted sales people on the number of retirement plans they sell, resulting in no incentive to deliver additional services. In order to meet their sales quotas they need to get their product sold to you and move on to the next prospect.
    IFC Benefit: We do not have product to sell. It is in our best interest to service our clients, not to sell. We utilize two distinct layers of service:
    We mandate a dedicated local service rep from the plan provider and One-On-One, personalized service from IFC offering all of the value adds detailed above.
  • Pricing
    Receiving sub-par product and services is bad enough; paying too much for it is even worse.
    IFC Benefit: One of the cornerstones of IFC is our belief in transparency of compensation paid for services rendered. Fees are customized for each employer’s needs and are readdressed annually verifying that value continues to be delivered.
• We are proud of our relationship with the non-profit organization, The Heartland Institute of Financial Education, (HIFE).  HIFE partners with Colleges and Universities throughout the US that work with organizations to provide financial literacy and education courses to employees.

HIFE oversees the curiculum and the awarding of the CFEd® designation.  HIFE provides and audits the testing and training for a person to become a Certified Financial Educator.

Founder of IFC, Brent Hines, is CFEd® certified and has taught HIFE classes for a number of years at numerous corporations, institutions, non-profit organizations, groups and associations.  As a client of IFC, your company will have access to the library of services offered by HIFE along with the high-touch approach of IFC.

The value added to our clients from the combined benefits of IFC and HIFE, makes it truly one-of-a-kind.