The right retirement plan for any business is the one that matches the objectives of the business and the demographics of the workforce. If a plan is already in place, our team will perform a compliance review and Plan Benchmark.

Third Party Administrative (TPA) Services are also provided including plan accounting, plan administration, consulting, and more.

FCG investment advisors offer investment review and analysis services. They also serve as 3(21) and 3(38) fiduciary investment advisors for the plan.

A fiduciary practices review is established at the inception of a client engagement. We help establish guidelines for the fiduciaries who are sponsible for the administration and the management of the sponsor’s retirement plan.

Our team will also deliver a comprehensive review of all expenses associated with the management of the plan.

The key component of our process is to identify the purpose of the BOLI holding and insure that assets held are in alignment with the goals and objectives of the bank management.

We work with our clients in the risk analysis for both pre-purchase and post-purchase. We provide a detailed risk and performance review annually as part of the compliance requirements (OCC Interagency Bulletin 2004-56).

An ESOP is a tax-qualified employee benefit plan that can also be used to provide benefits for the sponsoring company and its ownership. It is the only employee benefit plan that can own employer securities and borrow money.

Implementing and using an ESOP is a process that must be tailored to the specific needs of a company and its employees. This requires knowledge in finance, tax, and the law. FCG has the in-house expertise to deliver this knowledge.

Executive benefit programs are used to properly compensate, reward success, and eliminate gaps for key personnel. If a plan is already in place, our team will perform a compliance review, financial accounting review, and Plan Benchmark.

The investment sponsor and record keeper are critical partners for nonqualified plan services. Our team is able to identify an investment platform that is appropriate and cost efficient for your plan with full disclosure of all fees.