Retirement Plans
- How we do it >
- What qualifies us >
- Plan Assessment >
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Tom Curti was named 2009 Five Star Wealth Manager
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KY Home Buyers Tax Credit
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What qualifies us
Our expert financial planning developed many years ago as a service to our wealth management clients who were business owners. As we reviewed the retirement plans that were being offered to their employees, it quickly became obvious that most plans were being driven by insurance agents or brokers who were peddling products and receiving a commission in return.
As a plan fiduciary with legal responsibilities to the plan participants, these clients were relying on advice with an inherent conflict of interest. This resulted in poorly structured plans and investments with generally high costs. Our goal was to create a solution that was sound from a legal and fiduciary perspective to protect our clients from liability and to offer world-class investment options at institutional pricing to participants.
As a plan advisor, we now offer services to retirement plan sponsors that provide a turn-key solution built on a best-of-breed, totally transparent platform. Consistent with our philosophy of total transparency, all services are unbundled and pricing is fully disclosed. As an additional protection, we serve in a fiduciary capacity as a “prudent expert,” allowing plans sponsors to legally delegate responsibilities for which they do not have the expertise or training. This is an important distinction, because fiduciaries are prohibited under law from having any conflict of interest, including receiving commissions.
Three members of our advisory staff hold Accredited Investment Fiduciary (AIF) designations, signifying a thorough knowledge and ability to apply fiduciary practices and the ability to assist others in implementing proper policies and procedures.
