Plan Sponsors

From a legal standpoint, fiduciary duty is about the process, not the results … An informed decision must be based on what the fiduciary should know rather than what they do know and that is why the services of an unbiased expert advisor are so important.

The Center for Due Diligence:
A Guide to Help Plan Sponsors Fulfill Their Fiduciary Duty & Avoid Liability Dec. 2009.

Finding the Right Provider is Your Challenge

Closely held firms need the right retirement plan partner. We ensure that you have a competitive company retirement plan that meets the needs of both owners and employees. We work with business owners in Boston, Concord, Carlisle, Burlington, Waltham and MetroWest Massachusetts that have 10 to 100 employees and or $1 million to $10 million in plan assets.

We are different than most

As an independent financial advisor, we are objective and provide transparent pricing; does your current provider?

Criteria	Benefit	Journey Financial Planners	Your Current Advisor
Independent Registered Investment Advisor (RIA)	Fiduciary duty (to you)	Yes	?
CERTIFIED FINANCIAL PLANNER™ (C.F.P.™)	Professional	Yes	?
Fee-Only	Objective, Transparent motivations	Yes	?
Masters of Business Administration (M.B.A.s)	Experienced	Yes	?
Open Architecture or Bundled Service	Transparency, Control, Investment Selection, Lower Costs	Open	Bundled

We work with you to clarify your goals and requirements

Your goal is to find the right company to work with to ensure that you have a customized, competitive company retirement plan that meets the needs of both owners and employees. We commit to plan designs and investment options that meet your demanding requirements:

Optimal plan design to meet saving and contribution goals and budgets and address changing cash flows
Expert guidance and participant education to minimize fiduciary liability to the company and owners as the plan sponsor
Rational and efficient investment options that:
- Pass the QDIA (qualified default investment alternatives) litmus test
- Feature low internal and external fees with total fee transparency (i.e. no 12b1 or hidden revenue sharing fees)
- Are passively managed, strategically engineered portfolios of pure asset classes for various risk/return and time horizons
Excellent service pre-and post-implementation
- For the participants
- For the plan sponsor

We help you to avoid common fears and pitfalls

Fear of selecting the wrong providers, advisors and investments
Confusion and difficulty getting clarity regarding risk, relevant pricing, services, service providers and quality comparisons
Paying for unnecessary consulting services
Spending unnecessary time in the RFP generation and evaluation phase
Getting objective advice only to be “sold” a prepackaged solution with conflicts of interest (disclosed at the end of the “consulting” relationship versus the beginning)
Wasting time and money
Poor performance and service and risking employee law suits or dissatisfaction

We partner with you and best-in-class providers to obtain results

Plans designed and delivered by industry leading certified providers
Provide competitive and transparent pricing for both the plan sponsor and the plan participants
Eliminate all unnecessary* plan sponsor risk through:
Careful selection of providers
Expert plan design
Rational and efficient investment choices
Instill confidence with excellent service through the pre- and post-evaluation and implementation phases

*Necessary risk is the burden of being a plan sponsor. Essentially, it is the risk of having fiduciary responsibility for the plan. This can never be outsourced. Unnecessary risk includes not understanding your investment options, hiring service providers that don't meet compliance standards, not meeting disclosure requirements etc.

This dynamic regulatory environment creates risk and opportunity for plan sponsors. Work with us to solve the puzzle, with confidence.

Take control

Gain comparison data at no cost and with no obligation by sending us your basic plan information. We will be able to determine if we are a 'contender'' for competing for your business. Your information will be treated confidentially. Click here for the “Request for Information Form.” Simply complete the form and we will prepare a preliminary recommendation for your review.

Take control. Schedule a no-obligation discovery meeting today.

Make an appointment with our convenient online calendar.