Increasing Employer and Employee Satisfaction with 401(k) Plans

"Beware of little expenses. A small leak will sink a great ship."
- Benjamin Franklin

Gaining Time and Peace of Mind with the Help of a Fiduciary Consultant

Offering a 401(k) plan or other qualified retirement plan is a beneficial way to attract dedicated employees to join your “crew,” support their financial future and reward them for taking care of your customers.

However, these plans often fail to provide the desired outcomes due to a lack of understanding and conflicts of interest. Unlike other service providers, money managers, third-party administrators and recordkeepers, Navigoe serves as your unbiased fiduciary consultant. By working alongside you and your team, we can help simplify your plan, free up more time so you can focus on running your business, reduce costs and provide employee education that lowers your risk while increasing their satisfaction.

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What Makes Navigoe 401(k) Planning Unique

For decades, 401(k) providers have kept their plans in a “black box,” resulting in excessive fees, poor service and inferior investment choices. Because we play a unique role as your fiduciary consultant, Navigoe can help break down the walls to provide smart, unbiased plan design, management and employee education – all while minimizing expenses.

Academically Sound, Market-Tested Investment Management

As the saying goes, “If it’s not broke, don’t fix it.” This has been Navigoe’s mindset when it comes to our investment philosophy, which has been so effective that we haven’t needed to change it since its inception over 20 years ago. Our market-proven, academic investment approach (which focuses on minimizing overall expenses) and our use of institutional funds make Navigoe a natural fit for advising retirement plans.

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Plan Fiduciary

In addition to being your fiduciary consultant, Navigoe also serves as an ERISA 3(38) advisor to your plan. That means we transfer the fiduciary liability for the fund lineup and monitoring from you (the business owner) to our firm in order to minimize fees and risk of litigation.

Reasonable Fees

Fee transparency is key. In addition to using institutional shares that don’t participate in revenue sharing (resulting in hidden fees), Navigoe provides a comprehensive, easy-to-understand breakdown of all plan costs. In most cases, we can reduce overall plan fees, even after factoring in the cost of our 401(k) fiduciary consulting service.

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Employee Education

As CERTIFIED FINANCIAL PLANNER™ professionals, retirement education and financial planning are in our DNA. We help your employees navigate their 401(k) by keeping investment choices simple, offering customized portfolio selections and making consistent education visits to guide them through the process.

Plan Design

Plan design is vital to employee participation and the overall success of your plan. It begins by gaining a deep understanding of what’s most important to you and your employees. Then, our team designs and implements a plan using the same philosophy that has helped our private clients achieve their retirement goals for over two decades.

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Other Services

Wealth Management

Live the best life possible by collaborating with us to design a strategy, implement those plans and monitor your progress.

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Investment Consulting

Protect and grow your wealth with a partner who carefully manages your portfolio to minimize risk and maximize returns.

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Limited Engagement Financial Planning

Meet with our CERTIFIED FINANCIAL PLANNER™ professionals to get financial guidance without a huge commitment.

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Trusts

Work with an estate partner who can help develop a trust that represents your financial legacy and continues your financial plan.

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