Kaplan Financial Advisors, LLC

Question: What's the problem with most tax-deferred plans?

	high and/or hidden fees (= fees not fully disclosed to the plan sponsor)
	long, confusing mutual funds menu – plan participants are expected to navigate this and create viable retirement portfolios on their own
	performance that’s undercut by heavy underlying mutual fund expenses
	sub-optimal performance since investments are not professionally managed and rebalanced
	potential liability if the plan sponsor is sued
	weak plan participation numbers
	minimal interaction with a service team – often plans are sold and serviced by a sales rep

What's the solution? Our 401(k) and 403(b) plans:

	are backed by Advisors Access, the (3(38) Fiduciary we're partnered with. Our team absorbs plan sponsor liability if a plan participant sues his/her employer due to unhappiness about investment decision-making or fees
	consist of professionally managed, automatically rebalanced portfolios – not a confusing list of mutual funds
	typically save plan sponsors and participants money
	are serviced by a CERTIFIED FINANCIAL PLANNER™ Practitioner offering group and one-on-one meetings

Less money paid to run a plan = more money in plan participant pockets!