Guidance Point Retirement Services

As a retirement plan fiduciary, you understand through ERISA requirements that retirement plans must include an investment that retains a stable value. With periods of low interest rates, many of these options have similar returns but differing risk characteristics. But how do I know which option best suits my employees? That’s why we’ve created the '"Risk Free" Investment Options Are Changing eBook.' Take a look to find out how to choose the right stable value option for your plan. https://hubs.ly/Q03kWhzB0

GPRS eBook Money Market Money Market Funds are popular investment choices for 401(k) & 403(b) plan. This free eBook helps plan sponsors to pick the right fund for their employees.

More retirement plan sponsors are asking their retirement plan consultants to be a 3(38) Advisor / Investment Fiduciary. But what does that mean? Should our plan consider this? Read our blog for more information about 3(38) advisors and whether it is right for your plan. https://hubs.ly/Q03kWv_J0 #338

What does it mean to hire a 3 (38) Advisor /  Investment Fiduciary? As retirement plan sponsors look to avoid 401k litigation, one way to manage their fiduciary risks is by hiring a 3 (38) advisor. But what does it entail?

Would you ever hire a primary care physician to perform open heart surgery? No? Well, would you hire a financial advisor who mostly works with family finances to oversee your organization's retirement plan? Surprisingly, many do. Here are 6 reasons why you should hire a dedicated Retirement Plan Consultant to oversee your organization's retirement plan! https://hubs.ly/Q03kWD0t0

6 Reasons Why You Should Hire A Dedicated Retirement Plan Consultant Many Plan Sponsors hire a financial advisor they personally work with to help with their 401k plan. But, are they a Dedicated Retirement Plan Consultant?

What does it look like when you hire a dedicated retirement plan consultant to take a look at your plan? Here's a case study where we performed a comprehensive fiduciary review. In this particular instance, we uncovered that the 401k recordkeeper was offering an artificially high crediting rate on the stable value product that was being subsidized by a high fee structure. What did we do next? Read our blog to find out! https://hubs.ly/Q03kWkYb0

Improving Plan Operation, Cost, & Investment Structure: A 401(k) Case Study 401k Plan Sponsors often have difficulty understanding service providers supporting their plan. This 401k Case Study highlights steps to improve your process.

We all know it costs money to offer a retirement plan to your employees. But who should pay for those costs? Your organization? Your employees? Both? Read our blog for 4 tips to help you decide. https://hubs.ly/Q03kWqZb0

Who Pays the Retirement Plan Fees? 4 Tips to Help You Decide Who Pays the Retirement Plan Fees? The Plan Sponsor? The participants? These 5 things will help you determine what works for your organization.

One of our most popular blogs is written about Cash Balance Plans. So what are they? When would they be the correct retirement savings vehicle for your organization? Read our blog to find out! https://hubs.ly/Q03kWpHK0

When Should I Consider A Cash Balance Plan?  The Basics, The Pros, and Cons I've heard of a 401(k), 403(b) and a Pension Plan. But what's this about a Cash Balance Plan? In this article, we'll dig into defining the Cash Balance Plan basics, the Pros and Cons of utilizing these plan types, and what situations may call for the use of these plans.

We've seen a number of plans that we've encountered or been hired to improve that have offered 200+ investment options to their participant base. That's a lot! This begs the question, "what's the right number of investment choices to offer plan participants?" and "do we offer too many choices?" We review this common question in our blog. https://hubs.ly/Q03kWh6j0

Does My Retirement Plan Menu Offer Too Many Investment Choices? (HINT: It Probably Does!) 401k fiduciaries have the important decision to make about the investment lineup offered to participants. So why are retirement plan menus consolidating?