BUSINESS PLANNING

Roadmap to your 401K Plan

Discovery

During the discovery phase you will meet with your trusted financial advisor to discuss the goals you have set out to achieve with your company’s retirement plan. At DC Financial we service many different types of plans and at many different phases, from single employer plans to plans with dozens of participants to start-ups and legacy plans we will work with you as your to determine what type of plan set up works best for you.

Develop a Plan

Whether you have a plan or are looking to create a new plan you will have the comfort of knowing you are working with an expert in the field. Using the information gathered from your discovery phase your trusted financial advisor will put together a that fits your company needs, no matter if that is maximizing tax savings or recruiting and retaining top talent, your plan can help you get the most out of your invested dollars.

Plan Implementation

Your financial advisor will work to get your plan implemented, handling as much of the heavy lifting as possible. They will work with your record keeper and TPA to get any changes taken care of. They will also implement providing a simple and impactful listing of funds that allow for all investment styles to be accommodated. If there are any changes being made to your plan’s record keeper or TPA your advisor will help you narrow down a list of record keepers that will organize and submit any needed request for proposal allowing you to focus on running your business.

Monitoring Your Plan

Your financial advisor will set up routine meetings to keep you up to date on your plan’s investment performance, litigation, law changes and suggested adjustments to keep your plan on track. As your plan’s fiduciary advisor, you will get regular updates on your investments and any changes that were made and why. All discussion items will be documented and saved with our office. Part of the ongoing monitoring of your plan will be annual . Our benchmarking looks at record keeping fees, advisor fees, and investment expense ratios, so you are informed on the value you are receiving from all aspects of your plan.

Discovery

During the discovery phase you will meet with your trusted DC Financial advisor to discuss the goals you have set out to achieve with your company’s retirement plan. At DC Financial we service many different types of plans and at many different phases, from single employer plans to plans with dozens of participants to start-ups and legacy plans DC Financial will work with you as your to determine what type of plan set up works best for you.

Develop a Plan

Whether you have a plan or are looking to create a new plan you will have the comfort of knowing you are working with an expert in the field. Using the information gathered from your discovery phase your trusted DC Financial advisor will put together a that fits your company needs, no matter if that is maximizing tax savings or recruiting and retaining top talent, your plan can help you get the most out of your invested dollars.

Plan Implementation

Your DC Financial advisor will work to get your plan implemented, handling as much of the heavy lifting as possible. They will work with your record keeper and TPA to get any changes taken care of. They will also providing a simple and impactful listing of funds that allow for all investment styles to be accommodated. If there are any changes being made to your plan’s record keeper or TPA your advisor will help you narrow down a list of record keepers that will organize and submit any needed request for proposal allowing you to focus on running your business.

Monitoring Your Plan

Your DC Financial advisor will set up routine meetings to keep you up to date on your plan’s investment performance, litigation, law changes, and suggested adjustments to keep your plan on track. As your plan’s fiduciary advisor, you will get regular updates on your investments and any changes that were made and why. All discussion items will be documented and saved with our office. Part of the ongoing monitoring of your plan will be annual . Our benchmarking looks at record keeping fees, advisor fees, and investment expense ratios so you are informed on the value you are receiving from all aspects of your plan.

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Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services through Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Cambridge and DC Financial Advisors are not affiliated. This communication is strictly intended for individuals residing in the states of AZ, CA, CO, CT, DE, FL, GA, IL, IN, KS, KY, MA, MD, MI, MO, MS, NC, NE, NJ, NV, NY, OH, PA, PR, RI, SC, TN, TX, VA, VT, WI. No offers may be made or accepted from any resident outside the specific states referenced.

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DC Financial Advisors

Trusted 3(38) Fiduciary

Fiduciary liability is the burden placed on all parties with decision making authority in your retirement plan. As your 3(38)-investment manager your advisor will take on a heavier portion of that fiduciary burden per ERISA law.

By selecting DC Financial, you get a partner that will keep you updated with any changes to ERISA laws and help you make the right adjustments to remain compliant with ERISA. At DC Financial, we will also select and monitor funds within the plan with continuous updates on fund performance and replacement as needed.

Plan Design

At DC Financial, we will work within your company’s goals to help guide you through difficult decisions such as “How much should my match be?” or “When should new employees be vested in matching dollars?” and finally “is a Safe-Harbor plan right for our company?” These questions can be difficult and complex but with the right partner in DC Financial we can help you find a clear path to make these kinds of big decision.

Investment Fund Selection

With an advisor as your 3(38) partner, you won’t have to worry about selecting the right funds for your retirement plan. At Dc Financial, we are backed by expert analysts working to be sure you are getting funds that you can count on to perform when markets are up and when markets are down. At DC Financial, we have a comprehensive list of funds to choose from, and we design our fund mapping to be both simple and far-reaching. Your participants will be able to select from a wide variety of funds covering many aspects of the market while not getting too specialized or over-invested in one niche. We bring in simplicity and protection as we select your fund menu.

Fee Benchmarking

If you are overpaying, would you know? Clients partnered with DC Financial know. We are driven by our commitment to transparency. Our focus is on the three major drivers of fees within your retirement plan: record keeping, advising, and fund pricing. By providing a once-a-year snapshot of your current fees and how they compare to thousands of other similarly sized plans you can rest assured you are getting the best value.

At DC Financial, we also take this further by doing a full pricing scenario with selected record keepers. During your request for proposal, we will contact several record keepers that can provide services most important to you and present you with live and accurate pricing based on your specific plan. This is a pricing that can be used to confidently make a change in record keeping if needed.