Comprehensive Financial Planning Retirement Plan Services Stan Johnson Registered Investment Advisor - PowerPoint PPT Presentation

1 / 18
About This Presentation
Title:

Comprehensive Financial Planning Retirement Plan Services Stan Johnson Registered Investment Advisor

Description:

Contributions by employer are deductible when made. Employer and employee contributions are not taxed until distributed ... Based in Larkspur and Orinda, California ... – PowerPoint PPT presentation

Number of Views:131
Avg rating:3.0/5.0
Slides: 19
Provided by: danku4
Category:

less

Transcript and Presenter's Notes

Title: Comprehensive Financial Planning Retirement Plan Services Stan Johnson Registered Investment Advisor


1
Comprehensive Financial Planning Retirement Plan
Services Stan Johnson Registered
Investment Advisor
2
Why Set up a Retirement Plan?
  • Attract and retain employees
  • Reduce taxes
  • Contributions by employer are deductible when
    made
  • Employer and employee contributions are not taxed
    until distributed
  • Up to 500 tax credit for small employers
  • Save for retirement

3
Your fiduciary responsibilities as plan sponsor
  • Act solely in the interest of plan participants
  • Carry out your duties prudently
  • Follow the plan documents
  • Diversify the plan investments
  • Pay only reasonable plan expenses
  • www.dol.gov/dol/topic/retirement/fiduciaryresp.htm

4
Steps required to install plan
  • Determine which type of plan is best for you and
    your employees
  • Obtain information from several service providers
    and evaluate their services, fees and investment
    choices
  • Hire service providers-bundled or unbundled
  • Third-party administrator (TPA)
  • Investment advisor
  • Investment broker and custodian

5
Why choose Comprehensive Financial Planning?
  • Independent, fee-only Registered Financial
    Advisor able to act as co-fiduciary for your plan
  • No hidden commissions or other compensation from
    others that create a conflict of interest
  • Personalized advice for you and your employees
  • Mutual funds get in the plan by their superior
    performance, not by any compensation paid to us
  • Can assist in every step in the process from plan
    design, installation and serving as plan advisor

6
Benefits for your plan
  • Superior investment choices
  • Competitive, transparent fees
  • Independent, unbiased advise
  • Many choices of plans including 401(k), Simple,
    SEP, 403(b), 457 and defined benefit

7
Plan Organization
8
Comprehensive Financial PlanningResponsibilities
  • Primary contact with plan sponsors and
    participants
  • Plan set-up, enrollments and communications
  • Plan investment advisor/co-fiduciary
  • Fund strategist selection and monitoring
  • Annual formal report
  • Develop Investment Policy Statement
  • Assist participants in portfolio selection
  • Provide general education

9
Fund Strategist Selected Litman/Gregory
  • Based in Larkspur and Orinda, California
  • Manages nearly 4 billion in assets for
    high-net-worth clients and intermediaries.
  • Model portfolios have been tracked since 1989 and
    have been recognized by Hulbert Financial Digest
    for five consecutive years for risk-adjusted
    performance in up and down markets.

10
(No Transcript)
11
Return Comparison-annual 5 yearas of 12/31/2005
12
Litman GregoryInvestment Approach
  • Strategic Allocation Determine appropriate
    neutral asset allocations for different
    portfolio risk/return objectives.
  • Tactical Allocation Do intensive asset class
    research and selectively overweight asset classes
    on a tactical basis when we are highly confident
    we will be rewarded for doing so.
  • Scenario Risk Analysis Test portfolio risk based
    on scenario analysis and adjust allocations if
    necessary.
  • Manager Due Diligence Undertake rigorous due
    diligence and analysis to identify exceptionally
    skilled fund managers to implement our asset
    allocation. If we dont find manager(s) in which
    we have high conviction, we will use an index
    fund.

13
(No Transcript)
14
FTJ FundChoice Broker/recordkeeper
  • Location Cincinnati, OH
  • 1,338 retirement plans under management
  • Over 649 million in assets under management
  • Affiliate of Forrest T. Jones Company
  • In existence for over 50 years
  • 400 million in assets and 45 million in capital
    and surplus (Fidelity Security Life Insurance
    Company)

15
FTJ FundChoice, (continued)
  • Mutual Fund Investment Platform utilizing Omnibus
    Trading Accounts No load and load waived mutual
    fund portfolios
  • Benefit to Investor
  • No minimums
  • No Transaction Cost
  • Access to Institutional Class Funds
  • Portfolios are modified per strategist changes
    and rebalanced quarterly to maintain asset
    allocations

16
(As of March 31, 2004)
17
Third Party Administrator (TPA)
  • Selected based on your company requirements
  • Plan design, consultation, installation
  • Contribution calculations
  • IRS/DOL reporting and compliance
  • Can implement new or takeover existing plan

18
Fees Vary with plan type and size(Contact us to
receive proposal)
Write a Comment
User Comments (0)
About PowerShow.com