401(k) plans—opportunities and challenges
Most businesses don't have the resources to conduct fee due diligence, select funds, develop an investment-policy statement, provide participant education, and handle compliance issues, to name some plan requirements. Most advisors thinking about taking on or expanding their retirement services may also be daunted by the benefits expertise required, aside from falling short of meeting the “Fiduciary” standards now required by recent changes. Wouldn't it be ideal if a trusted partner could provide comprehensive support that allows plan sponsors and participants a complete transparent and low cost approach for their 401k plan?
We independently are aligned with Vanguard Retirement Plan Access, it is designed to help small and midsize businesses establish 401(k) plans by making the plans as simple to operate and as low cost as possible. Our service is designed to reach plan sponsors who want to increase their retirement plan results without compromising their ability to provide superlative participant guidance by pairing with us and Vanguard, with a team approach that you —and plan participants—know and trust.
The following are among the features we can offer you through Vanguard Retirement Plan Access and TGA Capital Management:
Access to more than 10,000 funds, including low-cost Vanguard funds and non-Vanguard funds.
Extensive plan sponsor and participant support.
Compliance, fiduciary, and documentation support.
Recordkeeping and trustee services provided through industry leaders.
Compatibility with third-party administrators.
Through this service, TGA also offers a side-by-side plan cost comparative and plan benchmarking that will show you how we drive plan costs down while being committed to supporting plan sponsors and their participants who want low cost plan services that meet the new “Fiduciary Guideline(s). Vanguard Retirement Plan Access aligns with our belief that all plan sponsors should be able to offer high-quality, cost-effective retirement plans to their employees, respectively.
Low-costs, exceptional service for your retirement plan
Vanguard Retirement Plan AccessTM, gives your employees a great chance for a more secure retirement with a low-cost, comprehensive, turnkey service from one of the most trusted names in the industry—developed to meet the needs of retirement plans from start-ups to $20 million-plus in assets.
High-quality, low-cost funds with the flexibility to add other investments
• Access to a wide range of Vanguard low-cost index and active funds.
• The ability to add other investments from outside of Vanguard.
Transparent pricing with flexible payment options
You can choose funds that use Vanguard Investor Shares or funds that use the lowest-cost Vanguard share class available. The plan receives credit for any Vanguard Investor Share assets, which can reduce and potentially eliminate out-of-pocket recordkeeping fees. Using funds with the lowest-cost shares can help allocate expenses evenly across all participants if you decide to cover costs using a per-participant fee.
Plan sponsor support
• Premier recordkeeping services through Ascensus, one of the nation’s top recordkeeping firms.
• Real-time compliance testing available 24/7 via the web.
• Signature-ready Form 5500 and IRS Form 1099-R preparation and support.
• Dedicated plan sponsor website and day-to-day plan sponsor support.
• Assigned single point of contact.
• Trustee services provided through Frontier Trust Company.
Participant education and support
• Comprehensive enrollment materials with personalized plan and participant features.
• Access to Vanguard MoneyWhys® education and news center.
• A dedicated participant website with interactive retirement planning tool.
• Financial decision-making resources through Vanguard Participant Education Catalog.
• Access to advice and managed accounts through Morningstar® Associates.
Learn how Vanguard Retirement Plan Access can help ease your administrative burden and aid your participants’ understanding and appreciation of this important benefit.
Call TGA Capital Management, located in Plymouth, Ma your local 401k Vanguard advisor today at 1-508-224-9646.
For more information about Vanguard funds, visit institutional.vanguard.com or call 800-523-1036 to obtain a prospectus. Investment objectives, risks, charges, expenses, and other important information about a fund are contained in the prospectus; read and consider it carefully before investing.
All investing is subject to risk, including the possible loss of the money you invest.
Retirement plan recordkeeping and administrative services are provided by The Vanguard Group, Inc. (VGI). VGI has entered into an agreement with Ascensus, Inc., to provide certain plan recordkeeping and administrative services on its behalf. Ascensus is not affiliated with Vanguard Marketing Corporation, The Vanguard Group, Inc., or any of its affiliates.
Trustee services are optional and available through Frontier Trust Company, a subsidiary of Ascensus, Inc. Frontier Trust Company is not affiliated with Vanguard Marketing Corporation, The Vanguard Group, Inc., or any of its affiliates.
Morningstar® Retirement ManagerSM is offered by and is the property of Morningstar Associates, LLC, a registered investment advisor and wholly owned subsidiary of Morningstar, Inc. The Morningstar name and logo are registered marks of Morningstar, Inc. Investment advice generated by Retirement Manager is based on information provided and limited to the investment options available in the defined contribution plan. Projections and other information regarding the likelihood of various retirement income and/or investment outcomes are hypothetical in nature, do not reflect actual results, and are not guarantees of future results. Results may vary with each use and over time. Morningstar Associates LLC is not affiliated with Vanguard Marketing Corporation, The Vanguard Group, Inc., or any of its affiliates. Morningstar Associates LLC is not affiliated with Ascensus or any of its affiliates.
© 2013 The Vanguard Group, Inc. All rights reserved. Vanguard Marketing Corporation, Distributor. HPFDS 012013