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
This is a one-on-one conversation with Ron McCoy, not a sales call. Ron has spent four decades working directly with investors, which means every recommendation starts and ends with what’s right for you. Bring your questions, your statements, or just your situation. We’ll tell you what we see and what we’d do. Prefer to call first? Reach Ron directly at (352) 404-8105.
Ron McCoy’s Free E-Book
Download The Free Guide Today
Ron McCoy has spent over 40 years watching the same avoidable mistakes cost investors their retirement. Hidden fees. Conflicted advisors. Products designed to benefit the firm, not the client. “Keys to Investing” is his straight-talk guide to what Wall Street hopes you never figure out, written for anyone who wants to make smarter decisions with their money.
This free guide covers 10 essential topics, from annuity traps and hidden costs to what genuine fiduciary advice actually looks like in practice. No jargon. No sales pitch. Just the information every investor deserves before trusting someone with their financial future.