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Tailored 401(k) Strategies

Unlock Financial Advantages for Owners and Key Employees: The Power of Partnering with a Plan Advisor

By partnering with a plan advisor, you can streamline the management of your 401(k) plan, reduce stress, and focus on growing your business. A plan advisor provides specialized expertise, allowing you to offload complex tasks and ensure your employees enjoy a better retirement savings experience.

Everything outlined below is what any good plan advisor should do for you. But where we stand apart is our commitment to putting the business owner first. Unlike most advisors who focus heavily on employee benefits, we use a wealth management approach to dedicate significant time to identifying ways to maximize financial advantages for owners and key employees. The current system often favors employees unless you proactively work to shift the balance. Our goal is to help you navigate the rules and strategies that can tip the scales in favor of your business’s leadership, ensuring you get the most out of your 401(k) plan.

 

Here’s how a plan advisor can benefit you and your team:

Fiduciary Guidance: A plan advisor helps you navigate the complexities of fiduciary responsibilities, offering expert advice on selecting and monitoring investments while ensuring your plan complies with legal requirements. This guidance reduces your risk and provides peace of mind.

Investment Due Diligence: Conducting in-depth investment research can be overwhelming. A plan advisor simplifies this process, analyzing and recommending options that fit your plan’s goals and risk tolerance. Their expertise ensures a diversified investment lineup that benefits your employees.

 

Plan Design and Optimization: Your plan advisor works to optimize your 401(k) plan, aligning it with both your business objectives and employee needs. They help fine-tune features like contribution formulas and eligibility criteria to maximize participation and support retention.

Employee Education and Communication: A well-informed workforce is more likely to participate and succeed in your 401(k) plan. Your advisor will handle employee education by creating materials, hosting workshops, and offering personalized guidance, making it easier for your employees to make smart financial decisions.

Compliance Support: Staying compliant with ever-changing regulations is critical but can be time-consuming. Your advisor will manage compliance requirements such as disclosures, filings, and notices, helping you avoid penalties and keep your plan in good standing.

Benchmarking and Performance Monitoring: To ensure your plan remains competitive, your advisor regularly benchmarks its performance against industry standards. This process highlights opportunities for improvement and allows you to offer a 401(k) that truly benefits your employees.

Ongoing Plan Monitoring: Your plan advisor provides continuous monitoring and reporting, tracking key metrics like investment performance and employee engagement. This proactive approach allows you to stay informed while focusing on other priorities.

Partnering with a plan advisor provides you with the support and knowledge needed to manage your 401(k) plan effectively. By delegating complex tasks, you can reduce administrative burdens, improve outcomes, and offer a valuable retirement savings experience for your employees while focusing on maximizing benefits for you and your key team members.

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RUBIN WEALTH ADVISORS

Call Bob at (561) 288-1111
Email Bob at bob@rubinwa.com

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At Rubin Wealth Advisors, we understand that navigating the investment landscape can be daunting, particularly in these times when many feel uncertain about the direction our country is heading. That’s why we’ve incorporated the Nitrogen risk assessment process, a cutting-edge tool designed to align your financial portfolio with your personal risk tolerance.

 

Nitrogen, previously known as Riskalyze, is an innovative software program that precisely evaluates your willingness and ability to handle investment risk, quantifying it as a ‘Risk Number.’ This Risk Number, ranging from 1 to 99, reflects your comfort level with investment risk—the higher the number, the greater your tolerance. The unique aspect of Nitrogen is its reliance on Nobel Prize-winning computational methods, which ensure a high degree of accuracy far surpassing traditional, subjective risk profiling.

This process begins with a questionnaire that you complete, which feeds into Nitrogen’s sophisticated algorithm. The result is a Risk Number tailored specifically to you, offering a clear, objective view of your risk appetite.

But Nitrogen doesn’t stop there. It also assigns Risk Numbers to investment portfolios. This feature allows us to efficiently match your Risk Number with suitable investment options, ensuring that your portfolio is not only aligned with your risk tolerance but is also positioned to maximize potential returns.

In today’s volatile market, where many fear the progressive agenda is threatening the financial stability of our nation, Nitrogen provides a beacon of clarity. It’s a tool that empowers us at Rubin Wealth Advisors to safeguard your interests and investments. It allows us to conduct stress tests and scenario analyses, such as the impact of a bear market or high inflation, ensuring your portfolio remains resilient against uncertainties.

Originating in 2011 and now a market leader, Nitrogen has revolutionized the way risk is assessed in the financial sector. It is widely used by professionals across the U.S., attesting to its reliability and effectiveness.

In choosing Rubin Wealth Advisors, you’re not just selecting a financial advisor. You’re choosing a partner who understands your concerns in these challenging times and who is equipped with the best tools to secure your financial future. Discover your Risk Number with us and take the first step towards a portfolio that reflects your values and goals in this ever-changing world. Schedule an appointment today to explore how Nitrogen can work for you.