Quality Providers

Financial Soundings Investment Advisor, LLC (FS) is a registered investment adviser focused on proactively delivering retirement plan investment direction to employees of all types of corporations.  By incorporating their Retirement Planning Insights program as a feature of the plan, every employee of an organization, whether participating in the retirement plan or not, receives a personalized report outlining their current investment strategy, an analysis of whether the person is on track to meet their retirement goals, suggestions on how to improve their likelihood of success in reaching their goals, and specific fund level advice on how to allocate their assets to more effectively utilize the plan to meet their objectives.

The Retirement Planning Insights program includes an Annual Portfolio Review for every plan participant and a Retirement Plan Analysis for every eligible non-participant.
The Annual Portfolio Review includes:

• Your current retirement account contributions and savings;
• An analysis of your retirement income objective based on your current income and age;
• A personalized assessment of your probability of attaining your retirement objective;
• Suggestions on how to improve your probability of success including changes to your contribution rate and reallocation of your investments; and
• Plan specific instructions on how to easily implement fund allocation and savings rate changes to your retirement plan.

The Retirement Plan Analysis includes:

• An analysis of your retirement income objective based on your current income and age;
• A personalized assessment of your probability of attaining your retirement objective;
• Multiple savings rate models and an individual paycheck analysis for each suggestion;
• A forecast of the impact to your retirement savings for each modeled contribution rate; and
• Plan specific instructions on how to easily implement your personalized savings strategy including your contribution rate and specific fund recommendations.

FS has the ability to interface with virtually any record keeper or TPA.  As an independent organization, they provide unbiased investment advice focused on the success and well-being of each individual employee.  Their services provide an enhancement to the communication, understanding and appreciation of any defined contribution retirement plan on behalf of the employee, the employer and the record keeper.  Because they offer their program as a plan benefit to all employees, they can offer the Insights program at a cost significantly below other advice and managed account programs in the industry. 

Consistent results of plans that have implemented the Insights program include:

• More appropriately allocated investments among the plan alternatives (#1 driver of retirement wealth);
• Higher average contribution rates among participants (#2 driver of retirement wealth);
• Higher plan participation rates (#1 employer plan objective); and
• Greater understanding and appreciation of the retirement plan by employees.

FS is committed to helping every employee in every plan receive the personalized information and direction needed to easily implement a more successful retirement plan.

Contact:
Steve Maschino, President
Telephone: 678 393 8222
E-mail: SMaschino@financialsoundings.com