"Maximizing your company retirement plan today requires qualified plan advisors to oversee and monitor retirement plans – with the credentials and experience to back it up."
Managing Director, DBR Fiduciary Plan Solutions
Why you should consider a firm that specializes in Retirement Plan Solutions
Plan Trustees and Retirement Committees that use a Retirement Plan Advisory Firm specialized in fiduciary and investment consulting can experience a better understanding of their own fiduciary responsibilities, improved plan performance and greater support and financial education for their employees.
As a Registered Investment Advisor (RIA), we will commit in writing:
To serve as a co-fiduciary for your plan either as a 3(21) or 3(38) advisor
To provide independent advice free of the conflicts of interest you might find in other advisers
To offer expertise and ideas based on industry best practices
To service your business with fully disclosed advisor fees that can be easily supported as reasonable.
Our Pillars of Service
Fiduciary Assessment
A standalone engagement intended to identify the level of a plan’s adherence to DOL, ERISA and industry best practice standards
An assessment consists of three phases: evaluation, recommendations and implementation
Varying levels of detail and complexity are covered in a written report
Administration & Reporting
Review trustee processes and/or committee structure for administrative policies and procedures
Assist with the development and maintenance of a fiduciary audit file and documents retention policy
Deliver fiduciary training and/or education
Review plan sponsor objectives for the plan and options available to reach their goals
Service Providers
Assist with identifying plan services and products for fiduciaries to consider
Assist with a process to select, monitor and replace service providers
Conduct RFP due diligence
Benchmark the reasonableness of outside service provider fees
Investments
Assist with development of an Investment Policy Statement (IPS)
Recommend investment options based on
the IPS
Monitor performance and expenses of investment options
Deliver either quarterly or semi-annual investment monitoring reports
Recommend and monitor Qualified Default Investment Alternative (QDIA)
Differentiating Characteristics of an Independent, Conflict-Free, Fiduciary Advisor Practice
DBR Fiduciary Plan Solutions Value Proposition:
Assist trustees and Retirement Committees to develop fiduciary processes that are definable, measurable and repeatable
Avoid conflicts of interest by placing the clients’ interests first always, a practice of DBR Fiduciary Plan Solutions long before it became a requirement for other firms to follow
Our team’s extensive expertise allows for a working knowledge of best practices for plan delivery and operation as offered by all outside service providers
We contract as a co-fiduciary, accepting liability in writing for the advice we provide
We recommend a wide range of carefully vetted investment options to retirement plan clients supported by a plan’s IPS
We have the ability to provide plans with custom risk-based models, comprised of the plan’s underlying investment options
SENIOR FINANCIAL ADVISOR /
MANAGING DIRECTOR,
FIDUCIARY PLAN SOLUTIONS
SENIOR FINANCIAL ADVISOR / ASSOCIATE DIRECTOR, FIDUCIARY PLAN SOLUTIONS
CLIENT SERVICE ASSOCIATE
For more information or to set up a free consultation on your company's qualified retirement plan, contact:
Richard R. Applegate, CFP®, AIFA®, CPFA, ChFC®, CLU®
Senior Financial Advisor
412-227-2800
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