Does your employee retirement plan broker offer you……

• A Fiduciary Review of your retirement plan?
• An explanation of all fees charged? Both hard and soft dollar? 
• at minimum, an annual fiduciary review of the mutual fund options? Is there a written Investment Policy Statement? 
• A comparison of your plan features with other plans of similiar size in your industry?
• A dedicated, experienced financial advisor who is your advocate?

Does your employee retirement plan offer employees……

• Enrollment meetings for new employees.
• Periodical Investment educational meetings?
• Personal Retirement Planning?
• Access to an experienced Investment Advisor?

If your retirement program isn't offering you one or more of these services, it is time to change your broker of record. You need somone that is dedicated to assisting you in providing the best retirement plan for your employees.

Why Palmer Retirement Consultants?
Palmer Retirement Consultants takes a very objective approach in researching 401(k) Retirement Plan programs to determine which 401(k) program matches your company's specific requirements.  Our due diligence includes:

• Review of 401k recordkeeping platform, including integrity checks and turn-around time on statements, employee communication , and numerous other administrative factors.
• Review of the expenses your plan is incurring. How do they compare to others?
• Review and monitoring of mutual funds available as investment options.
• Review of technology capability and commitment to future upgrades.

Bottom Line- We provide…

• Fiduciary guidance in sponsoring a quality plan that meets your company's objectives
• Employee education, resulting in knowledgeable employees with better appreciation of company benefits
• We provide an experienced Investment Advisor to monitor your plan
• Pro-active versus re-active responses to administration developments

We are a non-proprietary product firm - this gives us the freedom to pick from the best in the marketplace, we don't need to push "our stuff".

• Quality of service is our #1 priority
• Over 35 combined years of experience in providing advice to Plan Sponsors' on the administration and investments of the company's retirement program.
• Extensive knowledge of Defined Contribution laws and regulations as well as 401k plan administration.
• Closely monitor plan investments to insure compliance with IRC 404(c).
• Implement and coordinate pro- active communication and educational programs for your employees.
• We specialize in 401k programs to ensure your company utilizes time and expenses efficiently in administering your 401k plan.
• We provide employees access to a personal investment advisor.
• For terminated employees, we will assist them in rolling over their retirement account into an IRA. It is important for them to continue saving for retirement- not spending it just because they left your company.

Palmer Retirement Consultants provides a comprehensive array of services to help your company offer the benefits which attracts and keeps qualified employees.

• Review of current retirement plan, (401k, profit sharing, money purchase pension and Defined Benefit plans)
• Non- qualified plans- to provide additional benefits to your executives and key employees
• 529 College Savings programs- great benefit to offer employees at no cost to the employer!