401(k) Plus^SM

Independent advice drives Return on Life^®

At Planned Financial Services (PFS), we believe that your retirement plan is far more than a vehicle for attracting and retaining talented employees. Managed effectively, it is a tool that can provide you and your employees greater Return on Life^® through the realization of long-term retirement dreams and goals. Our singular mission is to help your employees secure more favorable financial outcomes at retirement.

401(k) Plus^SM paves the way for more successful outcomes at both the plan and participant levels by applying a targeted and personalized approach to all aspects of plan servicing. The PFS team of competent and experienced retirement plan advisors brings a conflict-free, independent approach to managing plan investment and advisory functions. This leads to stronger results for plan participants and greater confidence for employer fiduciaries.

Discover how our advice model can make a difference for you and your participants 

Fiduciary responsibilities continue to be a chief concern among employers sponsoring retirement plans. Often, this is simply the result of having the wrong advice model in place. Cookie-cutter institutional plans generally fail to offer true personalized advice and guidance to participants struggling with complex and unfamiliar investment selections and asset allocation decisions. At PFS we know that one-on-one advice at the individual level is vital to your employees’ success—and to yours as a fiduciary.

In fact, quality advice is thought to play a larger role in retirement outcomes than the investment platform. This can be especially true during tough market cycles. A lack of experience and knowledge often forces participants to rely on emotion when making weighty financial decisions. Often a change in advisor—without any change to the third party administrator—may be all that is needed to improve participant outcomes through a combination of education and personalized advice.

What does independence mean to you?

Clarity of purpose

We believe in transparency and full disclosure, so you will always know how, and how much, we are compensated. Since our compensation is fee-based, we always work in your best interest, free from the conflicts of interest and quotas that so many Wall Street firms and brokerage houses are subject to.

Thorough implementation

We will take the time to understand your unique business, employee audience and situation before we make any recommendations. Then we'll implement and continually monitor your plan, providing one-on-one personalized education and advice to help your participants realize the full benefits of their plan.

Unbiased advice

Our recommendations are based on our deep retirement plan knowledge and experience. We provide you and your employees our honest opinions at all times in an objective and independent manner.

PFS offers the guidance you seek and the expertise you require.

Learn about Planned Financial's 401(k) Plus Services:

• Participant Education
• Accredited Investment Fiduciaries (AIF) and Retirement Plan Advisory Group (RPAG)
• Plan Design & Administration
• Fiduciary Tools
• 401(k) Plus Pyramid of Success