Retirement Plan Consulting Services

The experience you seek to assist you and your employees

DB&C Advisors brings dedicated resources and expertise to assisting businesses owners and corporations seeking tailored retirement plan solutions. With access to sophisticated investment tools and unbiased research, we are able to examine a broad range of providers and generate detailed reporting and comparisons. In addition, we can assist you with a thorough review of your investment policy statement and help you maintain plan compliance.

Retirement Plan Consulting Services

We are committed to providing you and your plan participants with objective, results-oriented guidance across the full range of your retirement plan needs. We offer the depth of knowledge, education and resources necessary to offer a comprehensive array of investment choices, strategic guidance, administrative services and plan participant education for:

  • 401(k), 403(b) Plans
  • Profit sharing plans
  • Defined benefit plans
  • Executive compensation plans

Our goal is to help you manage a successful and efficient retirement plan that helps you attract and retain valuable employees and prepare them for life in retirement. You can rely on us to:

  • Understand the complex retirement plan marketplace
  • Consistently track industry trends
  • Continually educate ourselves and our clients on the latest legal and regulatory standards
  • Strive to consistently place the best interests of your plan and your participants first

Fiduciary Services

We adhere to a high standard of fiduciary excellence as we assist you with:

Investment Policy Statement

Assist in the preparation or review of the Plan’s investment policy statement (“IPS”). Act as your liaison, working with service providers, product sponsors or vendors. In such cases, we act only in accordance with your instructions on investment or Plan administration matters and shall not exercise judgment or discretion.

Ongoing Investment Monitoring

Perform ongoing monitoring of investment manager(s) or investments in relation to the criteria specified in the Plan’s IPS or other written guidelines you have provided.

Ongoing Investment Recommendations

Recommend, for your consideration and selection, 1) specific investments to be held by the Plan, or in the case of a participant-directed defined contribution plan, to be made available as investment options under the Plan; and 2) investment replacements if an existing investment is determined by the Plan Sponsor to no longer be suitable as an investment option.

Performance Reports

Prepare reports describing the performance of Plan investment manager(s) or investments, as well as comparing the performance to appropriate benchmarks.

Plan Committee Education

Provide training for the members of the Plan Committee with regard to their service on the Committee, including education and consulting with respect to fiduciary responsibilities.

Changes in Investment Options

We can assist you in making changes to investment options under the Plan.

404(c) Compliance

As part of our Ongoing Investment Recommendation Service, we can assist you in identifying investment options in connection with the “broad range” requirement of ERISA 404(c).

Qualified Default Investment Alternative

As part of our Ongoing Investment Recommendation Service, we can assist you in identifying an investment product or model portfolio in connection with the definition of a “Qualified Default Investment Alternative” (“QDIA”) under ERISA.

Participant Education Services

We believe that a successful participant education and communication program is critical to the success of your retirement plan. We work with you and your retirement plan committee to create the most appropriate program for your employee population which may include:

  • On-site group participant education and enrollment meetings to help your employees understand their options and pursue their unique financial objectives

  • Account information available via internet or telephone

  • Online education materials, tools and calculators

  • Updates on the current market environment

  • Assist individuals with general investment allocation guidance

  • 401(k) rollovers – provide participants with rollover assistance and investment guidance