The team at Clear perspective Advisors can assist corporate executives that face the challenges of concentrated stock positions, stock options, personal financial planning, retirement plan counseling, insurance and risk management, portfolio construction, liquidity and cash flow needs. Executives face many issues with managing the day to day activities of their job. Our Wealth Advisors can help you create and implement a financial plan that can help address your financial concerns today and into the future.
401K
Managing your organization’s 401(k) plan can be a intimidating task. In addition to deadlines and commitments, you must satisfy your fiduciary responsibilities. You are expected to oversee a plan which offers recordkeeping, investment performance and low cost. Your decisions can impact your employees’ lifestyle in retirement. ERISA laws require you to exercise the prudence and skill of an “expert.” If not, you face penalties that are not only severe, but also personal. Fines can be equal to the loss or opportunity cost, with an automatic 20% surtax. The threat of litigation is ever-present. How will you document your prudence?
By acting as partner, Clear Perspective Advisors helps retirement plan sponsors oversee the management of their investments. We provide our clients with the knowledge necessary to make informed decisions that can improve plan performance, reduce expenses, and meet your fiduciary responsibilities.
Our 401(k) plan advisory services include:
Investment Policy Statements
Plan Design
Fiduciary Report Cards
Record-keeper Search
Manager / Fund Search
Fee Analysis
On-going Performance Evaluation
Committee Education
Participant Education
Custom Lifecycle / Target Term Funds
Plan Benchmarking
For more information about Clear Perspectives Advisors 401K services, contact us today.
Pensions
Responsibility and oversight for your organization’s retirement plan can be overwhelming. In addition to all your deadlines and commitments, you must act as a responsible fiduciary. ERISA laws require you to act prudently and skillfully. Fines and litigation are ever-present that can, impact both your professional and personal life. Additionally, you are faced with ever-changing regulations, the challenge in finding and overseeing money managers, and the difficulty of sorting out and negotiating vendor pricing.
At Clear Perspective Advisors, we help clients by placing their interests first and providing straightforward advice built on practical research and actionable insights. We add continuity to your staff and/or committees in addition to arming committee members with knowledge and practical information they need to make good decisions. We also offer resources necessary to manage fiduciary compliance can help improve plan performance and reduce expenses.
Our Pension Advisory Services include:
Investment Policy Statements
Plan Design & Benchmarking
Fiduciary Report Cards
Asset Allocation
Manager / Fund Search
On-going Performance Evaluation
Committee Education
Fee Analysis
For more information about how Clear Perspectives Advisors can help you manage your pension, contact us today.
Aurora
201 N. Constitution Dr
Suite 2
Aurora, IL 60506
Phone: 630-780-1701
Fax: 630-780-1702
St Charles
200 West Main Street
Suite 102
St Charles, IL 60174
Phone: 630-780-1701
Fax: 630-780-1702
Rockford
2990 N. Perryville Rd.
Suite 4300
Rockford , IL 60174
Phone: 630-780-1701
Fax: 630-780-1702
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