Retirement Plans
Why Choose an Independent Advisor for Your 401(k)?
Many small businesses default to “big box” payroll providers or large insurance companies for their retirement plans. While they can be convenient, these often come with hidden or high fees, limited investment choices, and zero personal service. We do it differently.
The Independent Advantage
As independent financial advisors, we aren’t tied to proprietary funds or expensive insurance products. We work for you and your employees, not a parent company. This allows us to build a plan that truly fits your business, often with lower costs and better investment options than the generic “out-of-the-box” plans sold by large institutions.
The Power of Partnership: Professional Administration
Running a business is hard enough without worrying about ERISA compliance, tax filings, and nondiscrimination testing. That is why we partner with leading Third Party Administrators (TPAs) to handle the heavy lifting.
How it works:
- We Manage the Money: We select and monitor the investment lineup, provide fiduciary oversight, and offer direct financial advice to you and your participants.
- They Manage the Plan: Our TPA partners handle the technical plan design, compliance testing, document maintenance, and government reporting (Form 5500).
- You Get Peace of Mind: You get the best of both worlds: personalized investment guidance from a local expert and robust, compliant administration from a dedicated specialist.
A Better Plan for Your Employees
Your employees deserve more than a 1-800 number. With Freedom Capital Advisors, they get real education and guidance. We help them understand their options, choose the right investments, and feel confident about their financial future. A better retirement plan isn’t just a benefit; it’s a powerful tool to attract and retain the talent your business needs to grow.
Book Your Strategy Session with Ron McCoy
You are also welcome to reach out. I may be on the phone, but you can always leave your name & number and I will get back to you. Text messages are welcomed as well.
It’s Your empire. now protect it.
Your wealth isn’t just a number, it’s your legacy. But without strategy, it’s a target for taxes, fees, and crooks. We’re here to help you by designing a plan that puts your interests first.
“Wealth without strategy is just a target for thieves.”
