Get the right 401(k) for your company. Provided by Americas Predominant Politically Conservative Investment Advisor!

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Far too many 401(k)s are too expensive, too time-consuming to manage and offer little to you and your employees. Your401kSource.com makes finding and managing your company’s retirement plans better, easier and cheaper.

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Reap the benefits of a better 401(k) Plan

Hiring and retaining quality employees is more challenging today thanks to low unemployment and high turnover. Gain a competitive advantage with benefit packages that don’t break the bank.

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Attract and Retain Talented Employees

401(k) plans attract and retain employees by providing retirement savings opportunities, employer contributions, tax advantages, portability, financial security, and a competitive advantage in the job market. These benefits help employees build long-term financial stability and demonstrate a commitment from the employer to their employees’ well-being beyond their current employment.

Owners Need Retirement Savings

Safe harbor 401(k) plan offers business owners tax advantages, higher contribution limits, mandatory employer matching contributions, simplified administration, employee retention benefits, asset protection, and a vehicle to secure their own retirement savings. It provides a powerful tool for business owners to save for the future while benefiting their employees and maintaining compliance with IRS regulations.

Increase Employee Morale and Engagement

a well-implemented 401(k) plan can increase employee morale and engagement by providing financial security, attracting and retaining talent, fostering loyalty, and supporting employees’ long-term goals. These positive outcomes contribute to a more engaged and productive workforce, which ultimately enhances business value and reputation.

Maximizing Retirement Success with a Politically Conservative Plan Advisor

By leveraging the expertise and support of a plan advisor, plan sponsors and business owners can offload complex tasks, gain access to specialized knowledge, and ensure their 401(k) plan is effectively managed. This partnership helps reduce administrative burdens, improve plan outcomes, and ultimately provide employees with a better retirement savings experience. Here’s how a plan advisor can make the plan sponsor and/or business owner’s responsibilities easier:

A plan advisor acts as a trusted ally, simplifying the plan sponsor and/or business owner’s responsibilities in several key ways:

  1. Fiduciary Guidance: The plan advisor offers valuable expertise in navigating fiduciary responsibilities. They provide guidance on selecting and monitoring investment options, ensuring compliance with legal requirements, and mitigating potential risks. This support helps the plan sponsor confidently fulfill their fiduciary duties.

 

  1. Investment Due Diligence: Conducting thorough investment due diligence is time-consuming. A plan advisor streamlines this process by researching, analyzing investment options, and providing recommendations based on the plan’s objectives, risk tolerance, and participant needs. Their expertise simplifies decision-making and ensures a well-diversified investment lineup.

 

  1. Plan Design and Optimization: Plan advisors assist in designing and optimizing 401(k) plans to align with sponsor goals and employee needs. They evaluate plan features, contribution formulas, eligibility criteria, and vesting schedules, ensuring they promote participant engagement and support organizational objectives.

 

  1. Employee Education and Communication: Educating and communicating with plan participants is crucial for their understanding and engagement. Plan advisors develop educational materials, conduct workshops or webinars, and provide personalized guidance to employees. This empowers participants to make informed decisions, reducing the burden on the plan sponsor.

 

  1. Compliance Support: Plan advisors simplify the complexities of compliance by providing ongoing support. They assist with required disclosures, filings, and notices, ensuring the plan remains in good standing and avoids penalties or legal risks associated with evolving regulations.

 

  1. Benchmarking and Performance Monitoring: Regular benchmarking against industry standards helps sponsors assess competitiveness and identify areas for improvement. Plan advisors track fees, services, and performance, providing reports and recommendations to enhance participant outcomes and maximize retirement savings.

 

  1. Ongoing Plan Monitoring: Plan advisors provide ongoing monitoring, tracking key metrics, investment performance, and participant engagement. This allows sponsors to stay informed through regular reports and recommendations, simplifying the monitoring process and freeing up time for other business priorities.

By partnering with a plan advisor, plan sponsors and business owners gain access to specialized knowledge and support, enabling them to offload complex tasks, improve plan outcomes, and enhance the retirement savings experience for their employees. This collaboration simplifies responsibilities, reduces administrative burdens, and ensures the effective management of the 401(k) plan.

No BS… Just straight forward advice

Contact Bob, the Nation’s Predominant Politically Conservative Financial Advisor Today!

Call Bob @ (561) 288-1111

Email Bob @ Bob@Your401ksource.com

Or schedule a call below!

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Matching Your Risk and Return: A Personalized Approach for Maximizing Your Financial Success
At Rubin Wealth Advisors, we believe that understanding your risk tolerance is the key to maximizing your financial potential. Traditional methods of categorizing risk with vague labels like conservative, moderate, or aggressive often lead to confusion. These terms can mean entirely different things to different people, which creates misalignment between your expectations and your investment strategy. That’s where problems can arise—and where opportunities can be missed.
 
We take a different approach. By using a precise, quantitative system to determine your Risk Number, we help you make informed decisions that directly benefit you. Your Risk Number is more than just a score; it’s a powerful tool that helps guide your financial strategy. If your Risk Number is 64, for example, both you and our team will know exactly what level of risk that involves and how it relates to potential returns. The guesswork is gone, replaced by clarity and confidence.
 
Here’s where it really benefits you: Understanding your Risk Number not only ensures that your portfolio is aligned with your comfort zone, but it also increases your chances of achieving a higher risk-adjusted rate of return over time. By matching your investments to your specific risk profile, you’re better positioned to optimize returns without taking on unnecessary risk—especially over a 3-5 year period, where market fluctuations can test even the most seasoned investor.
 
The process is simple and designed to serve your best interests. In just a few minutes, we’ll walk through a short conversation to determine your Risk Number. From there, we’ll craft an investment portfolio tailored specifically to you, ensuring that the level of risk is appropriate for your goals. This isn’t about avoiding risk entirely; it’s about taking on the right amount of risk so you can achieve the returns you need while remaining confident in your strategy.
 
By aligning your portfolio with your Risk Number, you gain the peace of mind to handle market volatility. You’ll know exactly how much downside risk is possible and what kind of upside you can expect. For example, a portfolio with a Risk Number of 64 might have a potential downside of -10% over six months but offers a possible 15% gain. This range helps you stay calm during downturns because you’ve already accounted for them, and it positions you to benefit when the market performs well.
 
We also stress-test your portfolio in various market conditions—such as economic downturns or inflation spikes—to ensure you’re always prepared. This proactive approach ensures your investments stay aligned with your risk tolerance, giving you the best chance for success regardless of what happens in the markets.
 
How does this benefit you? Managing risk properly allows you to maximize returns without exposing yourself to more risk than necessary. Over time, this careful balance increases the likelihood that you’ll achieve your financial goals—whether that’s building wealth, preparing for retirement, or preserving your assets.
 
At Rubin Wealth Advisors, a Boca Raton financial advisor, we’re committed to helping you achieve higher risk-adjusted returns. As a licensed fiduciary, we specialize in guiding clients through personalized wealth management strategies, ensuring your investments align with your long-term goals. Let’s work together to discover your Risk Number and build a strategy that sets you up for success over the next 3-5 years and beyond. Contact us today to get started.