Retirement Plans
We support plan sponsors with plan design and oversight, as well as participant education and guidance.
Professional Guidance for Plan Sponsors and Participants
Whether you own a business and want to give your employees the best retirement options, or you just want to make sure that your individual retirement plan is future-proof, we’ll help you make the right moves.*
*Investments in securities do not offer a fix rate of return. Principal, yield and/or share price will fluctuate with changes in market conditions and, when sold or redeemed, you may receive more or less than originally invested. No system or financial planning strategy can guarantee future results.
Sponsor
It takes a team effort for an employer sponsored retirement plan to run smoothly. Our team serves as the primary point of contact for not only you, the plan sponsor, to help manage your fiduciary responsibilities, but also for your participants to answer questions about their investments in the plan.
Participant
When it comes to planning your individual retirement, there are a lot of questions, uncertainties and many choices to make along the way. With Horizon as your retirement planner, you’ll have a team of financial professionals ready to help you anytime with answers to your questions and ongoing guidance, advice and support.
The 401(k)onfidence System®
- Identify what’s important to you and your participants and what you want to change and improve
- Inventory your plan’s assets, fees and structure
- Determine areas where we can add to your value, discuss how to engage with us and review service levels
- A written assessment of key areas of your plan covering total plan costs, service and overall effectiveness
- Benchmark your current plan investment options and fees against industry standards
- Understand, monitor and document your full fiduciary responsibilities
- Specific recommendations to improve plan provider, investment options, service and communication
- A fiduciary checklist to help document the progress of your plan
- Comparison report of potential right-fit vendors
- Proactive communication to reduce participant and fiduciary anxiety of change
- Establish step-by-step timeline to implement the plan transition and manage expectations
- Coordinated effort between all service providers to ensure smooth transitions
- Ongoing enrollments, education, service and communication participants can rely on
- Helping participants understand plan provider website and retirement savings statements
- Customized outreach through group meetings and individual meetings giving participants access to professional financial
- Annual investment and plan compliance review
- Evaluation of participant behavior, education effectiveness and plan impact
- Timely regulatory updates and consistent communication
Plan for a better financial future.
Manage life’s home runs and curve balls with clear advice, personalized guidance and supportive leadership to create a more confident financial future.
Your Retirement Plan Team
It takes a team effort for an employer-sponsored retirement plan to run smoothly. Our team serves as the primary point of contact for not only you, the plan sponsor, to help manage your fiduciary duties, but also for your participants to answer questions about their investments in the plan.
Accolades and Designations
You have many well-educated professionals with whom you can choose to work. Beyond education and experience, we value trust and partnership with our clients. Regardless of any accolade or honor, the most rewarding recognition we receive is the enduring relationships of our clients.
(2017,2018, 2020 Horizon Financial Group) The NAPA Top DC Advisor Teams list highlights the nation's leading retirement plan advisor firms. This list focuses on teams, broadly defined asbeing in a single physical location, and having at least $100 million in DC assets under advisement. It is based on self-reported assets under advisement. The accolade is based on the previous calendar year'snumbers but was too unwieldy and confusing to tag it as such. We have updated the title to reflect the year in which it is released even though it is still based on last year's numbers. Listing in this publicationand/or award is not a guarantee of future investment success. This recognition should not be construed as an endorsement of the advisor by any client. No compensation was provided directly or indirectly bythe recipient for participation or in connection with obtaining or using the third-party rating or award.
(2020 Horizon Financial Group) The FT 401 Top US Retirement Advisors is a list of professionals who specialize in advising US employers on their defined contribution (DC} plans.Applicants were required to advise on at least $75m in DC plan assets and have at least 20 percent of their client assets in DC plans. The top factors in the scoring are: DC assets under management(AUM), Growth rate in DC plan business - measured by changes in both DC plan clients and assets, Specialization in the DC business - measured by what percentage of the overall assets managed bythe advisor are in DC plans and how that concentration has changed, Experience advising on DC plans - tracks years spent managing DC plan assets through different economic and marketenvironments, Industry certifications, and Compliance record. Neither the brokerages nor the advisors pay a fee to the Financial Times in exchange for inclusion in the FT 401. Listing in this publicationand/or award is not a guarantee of future investment success. This recognition should not be construed as an endorsement of the advisor by any client. No compensation was provided directly or indirectlyby the recipient for participation or in connection with obtaining or using the third-party rating or award.
Getting Started is Simple
In a short call, we will get to know your main financial objectives and goals then schedule a time for an initial meeting with one of our financial advisors.
Schedule a conversation with our Team of Experts to see how we can help.
Meet with us to gather your info, lay out your financial goals and your vision for the future.
Get a tailored strategy and action plan to confidently move towards your future.