Retirement Planning Services
Retirement Plan Services
Retirement plans are utilized by business owners and their employees to take advantage of tax-deferred savings and offer a benefit to workers that helps them financially prepare for retirement. There are retirement plans for one person, and for companies all the way up to those with thousands of workers. They have names including 401(k) plans, 403(b) plans, SEP IRAs, Roth options, 457(f) plans, defined benefit plans, defined contribution plans and several others.
Alden Investment Group is a leader in retirement plan implementation and management. We work with single-member plans, startup plans and plans with hundreds of employees. It is our honor and privilege to help you create a retirement plan that will help you and your employees build adequate savings and retire with dignity.
Your trusted partner in retirement planning and management
Our team at Alden Investment Group consists of seasoned ERISA plan advisors that bring decades of experience analyzing, implementing and managing retirement plans for businesses of all sizes. We bring more than just experience to the table, but an unwavering focus on client financial education and wellness.
Why Choose Us?
- There is no cost for us to evaluate your plan
- We have the ability to act as a direct fiduciary, as well as a broker, advisor, or both
- We’re fully transparent with regard to every plan fee a plan sponsor or employee pays
- Our multiple business lines means we have access to advanced research and technology to provide investment advice that brings you the most returns
401(k) Provider Partnerships
We have access to over 25 of the top 401(k) providers in the marketplace, without a proprietary product!
Alden Investment Group is appointed with the top Providers in the 401(k) marketplace, enabling Alden to tailor a Retirement Program to meet your organization’s specific financial goals and objectives.
Our Retirement Plan Management Advantages
Customized Plan Design
We consider diversification in the context of the entire portfolio and as part of the overall strategy, based on the appropriate risk and return. Our comprehensive investment process includes fiduciary training for retiree plan committee members, investment advice for the plan committee, and a comprehensive education program for plan participants.
We advocate on behalf of our clients, negotiating with our vendors to get you the most cost-effective and beneficial packages. Our team of 3(21) and 3(38) fiduciary advisors assist retirement plan administrators with navigating ERISA regulations, teaching best practices for both plan design and administration.
Multi-faceted Approach to Employee Education
We want to make your job easier. Every client has different employee education and communication needs and challenges, which is why we use several different methodologies to develop customized education strategies and plans. Our comprehensive financial education and wellness programs include in-person meetings, monthly webinars, one-on-one employee education and advice, customized voice-over videos, and a dedicated email for each clients’ participants to ask questions.
Debt Elimination Program
In addition to plan and financial education, we offer your employees comprehensive investment advice on topics that include budgeting and debt elimination, at no additional cost. We believe in helping participants understand basic financial terms, learn more about the market and equip them with the knowledge to make more informed investment and financial decisions.
Learn more about our retirement plan advantages
Alden specializes in providing small and medium sized businesses with excellent retirement plan choices. Most business owners understand saving for retirement is important and want to provide for their employees, and their own, retirement. The retirement plan landscape is daunting to navigate for many reasons, finding and understanding the options that are out there can be confusing, fees tend to be hard to decipher and hidden or misrepresented, and many brokers tend to do a poor job servicing plans and employees. Alden can help small and medium sized business owners find the right plan and overcome these difficulties.
Things to Know
The most common retirement plans are 401(k) plans, which are for profit-based companies like most private and public businesses, and their close cousins 403(b) plans, which are for non-profit companies like churches, public hospitals, and charities. They can be broken down into two main types, insurance-based plans and non-insurance-based plans. Insurance-based plans are the most common type for small and medium sized businesses generally with under 300 employees and under $20 million in plan assets.