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TDC’s Retirement Plan Services division advises hundreds of institutions and thousands of plan participants on their retirement plans. Our experience and dedicated retirement plan resources provides distinctive solutions combining extensive capabilities and research with a high level of customized service. Our team stands ready to provide your investment committee with a personalized investment consulting relationship built around your needs.
Our disciplined consulting process is designed to meet the high standards required to make prudent fiduciary decisions or shift much of the investment liability to us as an ERISA 3(38) fiduciary. This process has been used by many institutional investors including healthcare organizations, private and publicly traded companies, education endowments, defined benefit plans, defined contribution plans, investment committees and other non-profit organizations, family office and religious organizations.
Our open architecture approach frees participants from the burden of constructing and monitoring their own portfolio and is intended to provide fiduciary protection to plan sponsors by offering professional management of retirement assets.
We have experience working with many types of retirement plans and take a consultative approach to finding the right solution for you and your employees. The TDC Retirement Plan Services division offers the following key advantages for your plan and its participants:
Our consultative approach to plan evaluation provides plan sponsors with a detailed analysis of all aspects of the retirement plan. There are many factors to evaluate and consider, and this process is designed to give plan sponsors additional insight.
Fees have driven much of the conversation in recent years, but fees are only one part of the equation. TDC’s approach to conducting a thorough Due Diligence Review is intended to provide plan sponsors with a deeper understanding of all aspects of their plan to determine if it meets the overall goals of the organization and its employees.
For many plan sponsors, fiduciary liability has become a top concern. Our goal is to help you understand your fiduciary responsibility and evaluate the liabilities. We can take on a fiduciary role as an ERISA 3(38) or ERISA 3(21) fiduciary, shifting a large portion of the fiduciary liability of a retirement plan to our firm.
Personalized participant advice is essential in helping individuals invest, save, and plan for retirement. We provide individual advice in an effort to ensure your participants will meet their long-term goals and needs.
Our personalized advice and our evaluation process is intended to help participants with their income replacement needs and helps put a plan in place designed to meet those needs.
Without the appropriate advice and education, many retirement plan participants make investment decisions based on emotion often fueled by the short-term predictions and prognostications of the financial media. We take a disciplined approach to retirement investment decisions by carefully examining the long-term needs of each participant and helping them balance their asset allocation with their overall investment and savings plan.
We build custom-managed portfolios, taking the heavy lifting off the shoulders of plan participants. Our globally diversified, risk-based portfolios utilize low cost, institutionally-managed mutual funds to build an allocation that strives to meet the needs of each individual and his/her family.
Fee arrangements in retirement plans can be complicated and confusing. Our process evaluates your plan fee arrangements helping you understand what you are paying and who you are paying and if those fees are reasonable. We utilize low cost institutional mutual funds that do not contain revenue sharing arrangements. We work hard to ensure that our process and fees are fully transparent and easily understandable.
We evaluate the plan structure to determine if the plan contains the provisions that meet the needs of the organization. We examine items such as eligibility, contribution types, including Pre-Tax and Roth 401(k) options, safe harbor, profit sharing, auto-enrollment, vesting, distribution and loan options. A properly structured plan that strives to meet the needs of the entire organization can provide desirable results.