Is it worth an hour of your time to talk with
Investment Partners about ways to improve the
bottom line and performance of your small business?

Take a minute to answer these 10 questions.

If you answer "no" to five or more questions, we suggest you call 800-401-5800, or click here to contact us.

  1. 1.

    Are your plan fees in line with the services provided?

    Most plan trustees are unaware of all the fees their employees are being charged. It is important to review those fees annually.

  2. 2.

    Does your advisor sign on as a co-fiduciary?

    Most advisors are only acting in the capacity of a salesperson. If they act as a co-fiduciary in writing, they could also be personally liable and therefore more attentive to the plan needs.

  3. 3.

    Do you understand you are personally liable as a fiduciary?

    As a trustee or as a decision maker on your work place retirement plan, you can be held personally liable for claims against the plan.

  4. 4.

    Do you have an Investment Policy Statement (IPS)?

    The IPS outlines how and why funds are added to the investment choices your employees choose from.

  5. 5.

    Are you regularly monitoring your investment in accordance with the Investment Policy Statement and documenting this process?

    It is important to regularly verify that your current investments are aligned with your IPS and document that process.

  6. 6.

    Are you in compliance with the 404(c) protection rules afforded to employers who offer plans?

    This provides protection from employee legal action regarding poor investment performance from those options they have selected.

  7. 7.

    Do your employees receive adequate guidance regarding their accounts?

    As a fiduciary, you are required to make sure your employees are receiving the proper education to help them make sound decisions about their savings rates and investment choices.

  8. 8.

    Are your employees prepared for retirement?

    Most employees do not understand how much money they need to retire and further do not understand how their investment translates into monthly income.

  9. 9.

    Is your advisor an Accredited Investment Fiduciary® who is certified to address your plan's needs?

    An Accredited Investment Fiduciary® has demonstrated they have the knowledge and experience to apply fiduciary best practices.

  10. 10.

    Could you defend your current plan if the Department of Labor made a formal inquiry?

    Due to several economic and legal factors, we have seen an increase in employee actions and Department of Labor inquiries. An appropriately documented fiduciary file can help you avoid adverse findings.

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