Retirement Plans

Retirement Plans

Retirement Plan Sponsors are inundated by a wide array of challenges – prudently overseeing investment managers, unraveling and negotiating vendor pricing, navigating a bewildering maze of ever-changing regulation – not to mention the constant threat of significant personal liability under ERISA. Unless you’re armed with vast knowledge, you can feel overwhelmed and exposed.

At DiMeo Schneider & Associates, L.L.C. we meet these challenges head on. Our personal approach allows us to build strong, committed relationships with our clients. We do not sell investments or receive commissions, nor do we charge money managers or vendors to be included in our database. Our research is practical. We offer innovative strategies and help to reduce expenses, improve performance and satisfy fiduciary responsibilities.

401(k) PLANS

Managing your organization’s 401(k) plan can be a daunting task. In addition to deadlines and commitments, you must satisfy your fiduciary responsibilities. The bar is set high as you’re expected to oversee a plan which offers flawless recordkeeping, superior investment performance and low cost. Every decision you make can impact your employees’ lifestyle in retirement. ERISA laws require you to exercise the prudence and skill of an “expert.” If not, you face penalties that are not only severe, but also personal. Fines can be equal to the loss or opportunity cost, with an automatic 20% surtax. The threat of litigation is ever-present. How will you document your prudence?

By acting as an extension of your team, DiMeo Schneider & Associates, L.L.C. helps retirement plan sponsors oversee the management of their investments. We provide our clients with the knowledge necessary to make informed decisions that can improve plan performance, reduce expenses and meet your fiduciary responsibilities.

  • Investment Policy Statements
  • Plan Design
  • Fiduciary Plan Analysis
  • Recordkeeper Search
  • Manager / Fund Search
  • Fee Analysis
  • FIOutsource™
  • On-going Performance Evaluation
  • Fiduciary Training
  • Electronic Retention of Meeting Notes
  • Participant Education
  • Custom Lifecycle / Target Date Funds
  • Plan Benchmarking

Discretionary

DiMeo Schneider & Associates, L.L.C. will take a more active role through our Fiduciary Investment Outsource services. We have the expertise and experience to serve as a Plan’s ERISA 3(38) investment manager. Our FIOutsource services include:

  • Acknowledgement of 3(38) Status
  • Discretion over Plan’s Investments
  • Manager Selection/Termination
  • Investment Manager to:
    • Custom Core Investments
    • Custom Target Date Funds
    • Model Portfolios
  • Investment Policy Statement
  • Determine Mapping Strategies
  • Provide Documentation
  • Administrative Support

PENSION PLANS

Responsibility and oversight for your organization’s retirement plan can be overwhelming. In addition to all your deadlines and commitments, you must act as a responsible fiduciary. ERISA laws require you to act prudently and skillfully. Fines and litigation are ever-present, and without the appropriate tools at your fingertips, you can face penalties that can impact both your professional and personal life. Additionally, you are beset by bewildering and ever-changing regulations, the challenge in finding and overseeing superior money managers, and the difficulty of unraveling and negotiating vendor pricing.

At DiMeo Schneider & Associates, L.L.C., we help clients prosper by placing their interests first and providing thorough advice built on practical research and actionable insights. We add continuity to your staff and/or committees in addition to arming committee members with knowledge and practical information they need to make good decisions. We also offer resources necessary to manage fiduciary compliance, improve plan performance and reduce expenses.

  • Investment Policy Statements
  • Plan Design & Benchmarking
  • Fiduciary Plan Analysis
  • Asset Allocation
  • Asset Liability Analysis
  • FIOutsource™
  • Manager / Fund Search
  • On-going Performance Evaluation
  • Fiduciary Training
  • Electronic Retention of Meeting Notes
  • Vendor / Trustee Search
  • Fee Analysis

Discretionary

DiMeo Schneider & Associates, L.L.C. will take a more active role through our Fiduciary Investment Outsource services. We have the expertise and experience to serve as a Plan’s ERISA 3(38) investment manager. Our FIOutsource services include:

  • Acknowledgement of 3(38) Status
  • Discretion over Plan’s Tnvestments
  • Manager Selection/Termination
  • Investment Policy Statement
  • Asset Allocation – The Frontier Engineer
  • LDI Analysis- The Liability Engineer
  • Rebalancing – The Portfolio Engineer
  • Determine Mapping Strategies
  • Provide Documentation
  • Administrative Support

403(b) PLANS

Recent legislation has made it exceedingly complicated to administer a 403(b) retirement plan, significantly increasing the responsibilities and risks for plan sponsors. Whether you oversee the 403(b) plan at a university, charity, hospital, religious institution or another tax-exempt organization, you are required to fulfill your role with the expertise of a full-time professional. And you must do so while being held personally accountable for making sound, prudent decisions.

At DiMeo Schneider & Associates, L.L.C., we help our clients manage the morass of 403(b) plan intricacies by continually providing thorough advice and education specifically designed to help you satisfy your fiduciary responsibilities. Whether it is assisting to help select an appropriate vendor, optimize investment offerings to improve performance or drive down costs, we provide customized solutions to suit your needs.

  • Investment Policy Statements
  • Plan Design
  • Fiduciary Plan Analysis
  • Recordkeeper Search
  • Manager / Fund Search
  • Fee Analysis
  • FIOutsource™
  • On-going Performance Evaluation
  • Fiduciary Training
  • Electronic Retention of Meeting Notes
  • Participant Education
  • Custom Lifecycle / Target Date Funds
  • Plan Benchmarking

Discretionary

DiMeo Schneider & Associates, L.L.C. will take a more active role through our Fiduciary Investment Outsource services. We have the expertise and experience to serve as a Plan’s ERISA 3(38) investment manager. Our FIOutsource services include:

  • Acknowledgement of 3(38) status
  • Discretion over Plan’s investments
  • Manager selection/termination
  • Investment Manager to:
    • Custom Core Investments
    • Custom Target Date Funds
    • Model Portfolios
  • Investment Policy Statement
  • Determine mapping strategies
  • Provide documentation
  • Administrative support

TAFT-HARTLEY

In recent years, Taft-Hartley Trustees have been met with a dramatic rise in fiduciary responsibility and potential liability. Although it is vital for Trustees to maintain accountability for results, it is equally important for them to have a grasp on the necessary steps involved in reaching their goals. You don’t need to know every nuance of a Taft-Hartley plan; but it helps to have a basic understanding of asset allocation, manager selection and performance evaluation.

DiMeo Schneider & Associates, L.L.C. advises university endowments, law firms and corporate retirement plans in addition to Taft-Hartley funds. While some firms serve a more narrowly focused client base, our wide scope of assignments deepens our knowledge and keeps us well ahead of the curve. We don’t collect commissions or sell investments; no money managers pay to be in our database and our research efforts are focused and practical. Our goal is to improve returns or reduce risk while helping Taft-Hartley Trustees meet their fiduciary duties.

For more information please contact Jeff Benoit, Director of Taft-Hartley Consulting.

  • Investment Policy Statements
  • Plan Design & Benchmarking
  • Fiduciary Plan Analysis
  • Asset Allocation
  • Asset Liability Analysis
  • FIOutsource™
  • Manager / Fund Search
  • On-going Performance Evaluation
  • Fiduciary Training
  • Electronic Retention of Meeting Notes
  • Vendor / Trustee Search
  • Fee Analysis

Discretionary

DiMeo Schneider & Associates, L.L.C. will take a more active role through our Fiduciary Investment Outsource services. We have the expertise and experience to serve as a Plan’s ERISA 3(38) investment manager. Our FIOutsource services include:

  • Acknowledgement of 3(38) status
  • Discretion over Plan’s investments
  • Manager selection/termination
  • Investment Manager to:
    • Custom Core Investments
    • Custom Target Date Funds
    • Model Portfolios
  • Investment Policy Statement
  • Determine mapping strategies
  • Provide documentation
  • Administrative support

FIDUCIARY INSTITUTE

Interested in Related Newsletters