The Market for Deferred Advice

Operating a small business entails many responsibilities.  Many small business owners seek to pursue their financial goals by attracting the right employees to help leverage their time.  As an independent financial consultant, I sympathize with your concerns.  My clients seek to build the value of their firm not only with hard work, but also with competitive benefits, including company retirement plans that reward loyalty, service, and performance. 

How well does your existing plan(s) meet these expectations?  How have the investments performed? What are the plan costs and have they been fully disclosed?  Would you prefer larger contributions, or to favor certain employees who deserve more than just a pat on the back?  Meanwhile, would you like to see greater awareness and participation among the rank and file?

The Pension Protection Act of 2006 requires plan sponsors to assume fiduciary responsibility for their employees.   What obligations do the new regulations entail, and what systems should your company have in place to ensure ERISA compliance?  Has your current vendor provided the necessary guidance for your retirement to operate smoothly?  Have they earned their pay?

Will your retirement also be contingent on transfer of ownership between partners, externally, or among family members?  How will this all work?  

The landscape of retirement plans has changed drastically over the last several years, as may have the needs of your company.  When was the last time your retirement plan was reviewed?  Are you satisfied with those results, or just coasting along with the status quo?

While operating a successful business, you and your staff may not have time to address these details, but who can you count on to ensure your retirement plan works as hard as you do?  The provisions of the Pension Protection Act allow you to transfer fiduciary obligations to a qualified third party.  My firm provides the due diligence that is necessary for plan installation, maintenance, and ongoing review.  

Through my relationship with Kestra Financial, Inc., we are able to access a comprehensive menu of retirement plan solutions for small business owners, including open architecture design, custodianship, third party administration, annual compliance testing, actuarial services, and case review.   My firm may also work closely with your CPA or attorney in consideration of your plan.

As your independent consultant, the role of my firm is to provide you with quality advice and support evident with a well designed plan.   We simplify complex decisions and demonstrate our excellence by striving to place your needs first, based on trust and integrity.

My firm serves those who pursue their financial objectives a lifestyle dictated by their own terms.  Are you ready for the challenge?   

For more information, please visit my website at     


        Areas of Experience and Services Provided

I) Fee Based Consulting

II) Qualified Retirement Plans

          a. Defined Contribution

          b. Defined Benefit

          c. Due Diligence Review

          d. Open Architecture Platforms

          e. Third Party Administration & Custodial Services

          f. On Site Employee Education

III) Non-Qualified Deferred Compensation

Kestra Financial, Inc. is the parent company of Kestra Investment Services, LLC and of Kestra Advisory Services, LLC. Kestra Financial, Inc. and its subsidiaries do not provide tax or legal advice.

415 Boston Turnpike Road Suite 213, ,  

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Securities offered through Kestra Investment Services, LLC (Kestra IS), member FINRA/SIPC.

Investment advisory services offered through Kestra Advisory Services, LLC (Kestra AS), an affiliate of Kestra IS.  Kestra IS and Kestra AS are not affiliated with  Neil H. Gendreau, CFP, ChFC or any other entity referenced herein.  

This site is published for residents of the United States only. Registered Representatives of Kestra IS and Investment Advisor Representatives of Kestra AS may only conduct business with residents of the states and jurisdictions in which they are properly registered. Therefore, a response to a request for information may be delayed. Not all products and services referenced on this site are available in every state and through every representative or advisor listed. For additional information, please contact our Compliance Department at 737-443-7101.