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Wealth-Retirement / Retirement Plan Consulting

PROTECTING THE POSSIBLE

Retirement Plan Consulting


Offering proper retirement plans is crucial to help attract and retain top talent and foster employee loyalty and satisfaction. With the selection of retirement offerings, comes a great responsibility to help employees save and invest for their futures. So, when you partner with us, you tap into the skills and expertise of our retirement specialists who can help customize a plan that you’re proud to offer — and your employees truly appreciate.

RETIREMENT CONSULTANT VIDEOS

Empowering your talent with customized retirement solutions 

See how, together, we can help your employees prepare for the future they dream about. Our experienced retirement consultants will guide you through plan options that can best meet the needs of your distinct employee population and help them make their possibilities a reality.

Retirement Consulting:

HumanGood Client Testimonial:

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RENEWED APPROACH

Informed guidance as distinctive as your needs


The partnership approach you’ll experience working with our team is designed to listen to your needs and understand your goals, so we can help provide the most insightful guidance. Our process is based on four core principles: risk analysis, investment analysis, fiduciary compliance, and education. Together, we’ll develop a long-term strategy that helps improve your plan’s overall effectiveness while managing the liability of plan fiduciaries.

COLLABORATIVE PARTNERSHIP

Informed guidance as distinctive as your needs

We approach our partnership with the intent to listen to your needs and understand your goals so we can provide the most insightful guidance. Our process is based on four core principles: risk analysis, investment analysis, fiduciary compliance, and education. We partner with you to develop a long-term strategy that improves the plan’s overall effectiveness while managing the liability of plan fiduciaries.

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SPECIALIZED SOLUTIONS

Delivering powerful outcomes

Focus on your core responsibilities to your organization and its people, and we’ll manage key aspects of your retirement plan. No matter what your goals are, we’ll help you understand your employer-sponsored retirement plan options, including 401(k), 403(b), profit-sharing, defined benefit, cash balance, and executive benefits, so you can make informed decisions for your organization.

Our services and solutions include:

Fiduciary Support

You’ll get comprehensive and ongoing fiduciary guidance, training, and support to help ensure you meet regulatory obligations designed to protect employees’ savings in the plan.

We consider several key factors, including the size of your business, profits, and number of employees along with your strategic benefits goals to assist you with selecting the best plan for your needs.

Then, to help ensure compliance and the long-term success of your plan, our team provides:

We also act as an ERISA 3(21) or 3(38) fiduciary advisor to provide the ongoing investment management and guidance you need, along with educational resources that can help employees fully understand and value everything your plan provides.

Investment analysis

Manager selection – To meet our mutual fiduciary obligations to your plan participants, our proprietary due diligence process utilizes qualitative and quantitative data to analyze and select the most appropriate investment options for your retirement plan. Our in-house research department continually monitors all of our “best in class” fund selections to make sure any administrative changes or strategy changes that could affect investor outcomes are identified, so that we can assess these changes and make real-time recommendations.

Employee Engagement

Employee communication and education
We deliver highly customized plan content directly to your employees that not only motivates them to participate in your retirement plan, but also spurs them to increase contributions to and drive satisfaction for this important benefit.

Financial wellness
Leveraging behavioral economics, we engage participants in their overall financial wellness. We don’t simply provide education about financial topics. But rather, we offer materials that can help participants create simple steps to reduce debt, establish budgets, and save more for retirement.

Target Date Consulting

Leveraging an advanced risk-based suitability process, we help you identify a “best-fit” target date fund series that can be right for your plan.

Innovative Plan Design

Our team will conduct plan design assessments that strive to increase your benefits return on investment (ROI) and enhance retirement outcomes for your employees.

To establish the right framework for your retirement plan, we help you examine and make informed decisions about specific parameters that can meet your needs and goals, including:

Fee Benchmarking

Through a detailed RFP-driven process, you’re assured apple-to-apple comparisons of investment fund fees, which can help bolster your position when negotiating with investment fund managers you choose to include in your retirement plan.

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EXECUTIVE BENEFITS

Key benefits for key people

Using tools like SERP (Supplemental Executive Retirement Plans), non-qualified deferred compensation, split-dollar insurance plans, and executive bonus plans, our team of experts can design a strategy that can help you attract, reward, and retain senior leaders in your organization.

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Open the door to possibilities.

We’re here to help your employees plan now for a more secure retirement tomorrow. Let’s talk about what’s next.

Click BrokerCheck for information regarding the third-party broker dealers utilized by The Baldwin Group Wealth Advisors, LLC.

There are other ways to limit potential liability. You can set your plan up to give participants control of the investments in their accounts. For participants to have control, they must have sufficient information on the specifics of their investment options. If properly executed, this type of plan limits your liability for the investment decisions made by participants. You can also hire a service provider or providers to handle some or most of the fiduciary functions, setting up the agreement so that the person or entity then assumes liability. https://www.irs.gov/retirement-plans/retirement-plan-fiduciary-responsibilities.

Investment advisory and asset management services are offered by investment adviser representatives (IARs) through The Baldwin Group Wealth Advisors, LLC CRD# 312284, a registered investment adviser, and indirect subsidiary of The Baldwin Group Financial Services Holdings, LLC and The Baldwin Insurance Group, Inc. (The Baldwin Group). Please note that although The Baldwin Group Wealth Advisors, LLC is a “registered investment adviser”, readers should be aware that registration with the SEC or any state securities authority does not imply a certain level of skill or training. Our Form CRS provides more information about us. FSC.2024.68

The Baldwin Group Investment Adviser Representatives (IARs) may also be separately and apart from The Baldwin Group registered representatives offering securities products through one of the following unaffiliated third party broker dealers:   

Equitable Advisors, LLC (NY, NY (212) 314-4600), member FINRA/SIPC. (Equitable Financial Advisors in MI & TN), as well as agents offering insurance and annuity products through Equitable Network, LLC, which conducts business in CA as Equitable Network Insurance Agency of California, LLC, in UT as Equitable Network Insurance Agency of Utah, LLC, and in PR as Equitable Network of Puerto Rico, Inc.  Equitable Advisors and Equitable Network are affiliated companies and do not provide tax or legal advice.  The Baldwin Group is not affiliated with Equitable Advisors or Equitable Network.     
                          
Kestra Financial, Inc. is the parent company of Kestra Private Wealth Services, LLC (Kestra PWS), Kestra Advisory Services, LLC (Kestra AS) and Kestra Investment Services, LLC (Kestra IS), member FINRA/SIP.  Securities offered through registered representatives of Kestra IS. Investment advisory services may be offered through appropriately licensed representatives of Kestra AS or Kestra PWS. Except for the referenced Kestra companies, Kestra is not affiliated The Baldwin Group or with other entities referenced. Kestra Financial, Inc. is a subsidiary of Kestra Holdings.     
 
Purshe Kaplan Sterling Investments, member FINRA/SIPC.  Headquartered at 80 State Street, Albany, NY 12207.  Purshe Kaplan Sterling Investments and The Baldwin Group are not affiliated companies. FSC.2024.69