RBG is a nationally awarded, highly sought after retirement consulting team specializing in providing
customized retirement plan consulting solutions, executive benefits, and retirement management
services to clients throughout the United States.
Our goal as independent, non biased retirement consultants is to provide expert, thought leading guidance to institutional clients and their employees. We provide risk management strategies for fiduciaries and well thought out, custom strategies designed to help participants to retire. We consistently re-define best practices for plan level fiduciaries and their participants.
We distinguish ourselves from traditional investment advisory firms by our commitment to the participant. Investment selection and monitoring is just the beginning of a truly successful retirement program. A highly regarded, low expense investment lineup is great, only if participants are enrolled in the plan and using the investments properly.
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Awards
6165 Greenwich Drive, Suite 240 San Diego, CA 92122 - (858) 551-4015
980 Roosevelt, Suite 220 Irvine, CA 92620 - (949) 786-401K
16801 Van Buren Blvd. Suite 218 Riverside, CA 92504 - (951) 780-4016
1800 Bridgegate Street, Suite 202 Westlake Village, CA 91361 (805) 446-4495
7150 E. Camelback Rd. Suite 444 Scottsdale, AZ 85251 - (480) 477-8058
3 Barker Avenue, Fifth Floor
White Plains, NY 10601 - (914) 251-0466
Risk management is a cornerstone of corporate America and has now made its way into the committee meetings of those lucky enough to be called Retirement Plan Fiduciaries. There seems little question that risk management is now also a mandatory portion of retirement plan sponsorship, administration and fiduciary responsibility.
Retirement Benefits Group assists retirement plan committee members with extensive fiduciary risk management strategies. Our written, co-fiduciary status enables us to help plan sponsors attain high levels of fiduciary standards and protocol. Our strategies help plan sponsors reduce fiduciary liability through the effective use of investment committee training, plan governance, provider monitoring, and proprietary document storage and retrieval.
Under this program, our clients address the following fiduciary functions with an uncompromised level of assurance:
1.Demonstrate prudence through a document trail;
2.Fiduciary training from a specialized ERISA attorney
3.Understand the key factors around investment management decision making;
4.Adhere to the plan document and the committees investment strategies;
5.Avoid conflicts of interest, and prohibitive transactions;
6.Monitor service providers according to industry benchmarks
7.Inclusion of best practices
8.Fee transparency and disclosure
Passion for the Participant is Financial Education for today's employees.
RBG has developed our proprietary Passion for the Participant campaign that is competetive in the industry. We combine technology and personal interaction into financial and educational services that many participants will never be able to afford or understand on their own. These services are offered by tenured, licensed, and independent professionals to help pursue the greatest opportunity for success. Your employees are the most valuable asset you have and is exclusively why their retirement plan was created and sponsored by you. Defining a successful retirement plan may be a challenge to some, but for us it is simple; To provide each and every employee the tools and resources to maximize their retirement plan and to replace enough income at retirement for a comfortable life.
Investment Stewards wear many professional hats. And while they may spend the least amount of their working life on retirement plan issues, their fiduciary role for the plan poses a significant amount of personal risk in the corporate arena. Inundated with primary job functions, finance and human resources executives lament their lack of time and tools to fulfill their fiduciary accountabilities, with a high level of assurance and protection. This uncertainty is the main cause of their concern towards their personal liability as a fiduciary.
To address this void, Retirement Benefits Group, LLC has developed a fiduciary oversight program that delivers protection for plan management through independent guidance and monitoring.
Under this program, Retirement Benefits Group, LLC's clients address the following fiduciary functions with assurance:
1.Proprietary Fiduciary plan management capabilities with custom electronic documentation
2.Demonstrate prudence through a document trail;
4.Adhere to the committees' investment strategies;
5.Avoid conflicts of interest;
6.Monitor service providers according to the new global benchmarks of fiduciary excellence.
Why plan sponsors use our fiduciary oversight program:
Easy to Use
Fiduciary functions are managed effectively through a written agreement with co-fiduciary acknowledgment for our investment & advisory services. With our program you save time, reduce personal risk, and gain access to critical fiduciary tools.
Document Decisions
Managed within a protected fiduciary document solution, investment committees can demonstrate ERISAs prudence requirements through a trail of informed decisions. With a point and click, fiduciaries can evidence their investment rationale and map key decisions to the plans guiding documents.
Continuity of Conduct
Our role can ensure a high level of continuity in the event of investment committee turnover. Our fiduciary oversight program preserves the integrity of past decisions and provides effective succession for future fiduciary governance.
Clarify Roles and Responsibilities
We help investment committees align internal responsibilities and benchmark the services of operational platform providers such as administrators, record keepers, custodians, and investment managers.
Administering and overseeing benefit plan operation and asset management is a complex endeavor that poses significant fiduciary risks to the organization. In fact, a study of about 250 large plan sponsors showed that regulatory compliance and investment volatility are of the highest concern to their organization.
RBG, with our partner LPL Financial, has the experience and industry insight to tailor investment programs to our retirement plan clients specific needs. These are just a few criteria that truly set us apart:
•A seasoned investment research team with over 30 Chartered Financial Analysts
•Due diligence and company meetings including onsite reviews with over 1,200 financial firms
•Proprietary monitoring system designed specifically for the defined contribution industry
•Specialists in evaluating mutual funds, ETFs, collective trusts and separate accounts
•Portfolio composition designed with the plan participants needs and capabilities in mind
•3(21) Fiduciary Services
•Custom target date Funds
•Custom Model Portfolios
In the world of retirement plans, only one thing seems certain: CHANGE is constant. Over the last decade, Congress has burdened plan sponsors with an overwhelming volume of legislation, making continual review of retirement plans essential. It is critical that the legal, compliance and design aspects of a plan are current.
While legislation dictates uniformity for certain plan features, recent changes in law are aimed at increasing employee participation and restoring some of the incentives and benefits previously lost by plan sponsors.
In these times of change, it is important to have a firm that understands the design and operational features of your companys plan, and can help you work with your plans service providers to focus on:
- Increased employee deferral limits and employee tax credit incentives
- Online participant access for account balance inquiry and changes
- Key personnel Internet access to plan and participant data
- Paperless enrollment
- Electronic transmittal of payroll, loan and distribution transactions
- Automatic enrollment/negative election
- Optimum frequency and educational content of employee communications
- Complying with 404(c) investment guidelines and requirements
- Conversion/transition process
• Increased employee deferral limits and employee tax credit incentives
• Increased employer plan contribution deduction limits
• The relationship between loan incidence and plan participation
• Tiered and Age-Weighted discretionary contribution formulas
• Online participant access for account balance inquiry and changes
• Key personnel Internet access to plan and participant data
• Paperless enrollment
• Electronic transmittal of payroll, loan and distribution transactions
• Automatic enrollment/negative election
• Controlled Group plan set-up and design alternatives
• Optimum frequency and educational content of employee communications
• Complying with 404(c) investment guidelines and requirements
• Management of the conversion/transition process
• Complying with 408(b)(2) fee disclosure
You may be one of the millions of Americans who change jobs or retire each year and receive a distribution from your employers retirement plan. Naturally, you will be faced with many questions that may dramatically affect your financial future. Perhaps the most important decision you will have to make is determining when you will access this money. If you dont use this money right away, you have a significant opportunity to build your retirement nest egg through continued tax-deferred compounding.
If you should need immediate access to these funds, please be aware that your withdrawals would be considered ordinary income for tax purposes in the year they are received.
It is important that you make your retirement plan distribution decisions wisely. Call us today for additional assistance.
We help you understand your options and provide the information you need to preserve the full amount of your distribution. In addition, we offer a complimentary analysis of your unique retirement distribution situation. This free analysis illustrates the various options available to you and the potential tax consequences of each.
During a one-on-one meeting, we provide support to the individual plan participant. We include extensive retirement planning, education on asset allocation modeling and general plan assistance. Support is provided on just about any financial services related question. A synopsis of the meetings is provided to the plan sponsor.
To work towards your goals, you need a welldefined action plan. The plan starts with You and Your Family. We will explore your Goals and Desires to chart a course for the future. The end result of the process is a Customized Retirement Plan to help you work towards your retirement goals. We are ready to put our expertise and experience to work for you. TODAY is the perfect time to start charting your course to personal financial freedom for you and your loved ones.
A retirement income goal is often expressed as a percent of a final salary (the rule of thumb used most often seems to be 70-85% ) but for some people the amount needed to cover expenses in retirement could be up to 100 % of their final pre-retirement income. For most investors, managing money and retirement investments while taking withdrawals is a difficult and complicated process. The greatest concern of todays retirees is outliving their retirement assets. Retirees who have established a retirement income plan feel much more financially comfortable than retirees without a plan. Our income planning specialists have extensive knowledge and experience with developing long-term retirement income plans that take into account market risk, longevity risk, withdrawal risk, and inflation risk. These plans are updated on an annual basis with our clients to be certain that the sources of income and amounts of income drawn will continue to support the investors long-term goals.
There is no one-size-fits-all investment vehicle that will protect you from every risk youll face during your retirement years. We believe that if you are an investor nearing or in retirement, you need a basket of investments that provides you with the following key benefits:
•Stable income that you will not outlive
•The potential for that income to grow and to beat inflation
•The ability to access cash to meet unexpected needs
•Adequate protection from market downturns
Retirement income planning involves reviewing all potential sources of income including pension plans, 401(k) plans, rental property income, employment income, investments, social security, and all other retirement plans. Our comprehensive Retirement Income Plans factor in the following:
1.Fixed expenses
2.Long Term Care Costs
3.Estimated tax rates
4.Estimated inflation rates
5.Required Minimum Distributions after age 70 ½.
We work very closely with retirees to make sure they do not fall off track from their plan or end up in a position where they are forced to reduce their lifestyle during what should be some of the best years of their lives. Most individuals expect to sustain their same lifestyle or better in their retirement years; that is exactly what we help our clients to achieve by building and following a strong and sustainable retirement income plan.
A successful communication program is critical to the success of a company's retirement plan. Enrollment and education specialists at Retirement Benefits Group™ understand that the development of an effective communication program varies greatly from business to business and across industries. We review the wide variety of options available with the retirement plan committee and create the most appropriate program for their particular employee population.
Consistent implementation of the plan increases employee understanding and participation while raising the profile and appreciation of the benefit.
Key components of a Retirement Benefits Group™ communication strategy include:
•Pre-enrollment memos, posters and announcements
•All on-site meetings conducted by securities licensed representatives
•On-site group enrollment meetings
•On-site individual enrollment meetings
•On-site group investment education meetings
•Multi-lingual meetings and representatives
•Multi-lingual enrollment materials
•Video teleconferencing "Meet Me meetings for remote locations
•Access to on-line investment and financial planning
•Customer service representatives and e-mail contacts for plan participants
PLEASE NOTE: The information being provided is strictly as a courtesy. When you link to any of the web sites provided here, you are leaving this site. We make no representation as to the completeness or accuracy of information provided at these sites. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, sites, information and programs made available through this site. When you access one of these sites, you are leaving our web site and assume total responsibility and risk for your use of the sites you are linking to.
Information and opinions on this site provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed. It is given for informational purposes only and is not a solicitation to buy or sell the securities mentioned. The information is not intended to be used as the primary basis for investment decisions, nor should it be considered as advice of professionals, as appropriate, regarding the evaluation of any specific information, opinion, advice or other content.
Advancing Your Perspective.pdf
Moving Beyond the Numbers.pdf
Mixing It Up.pdf
2012 Outlook-Meeting in the Middle.pdf
Press Release_Wassmann_Dubois_FINAL_v2.pdf
RBG Press Release September 7th 2011.pdf
A Giant LPL 401k Shop Adds Two More Advisors.pdf
Larry Deatherage Invited to Serve on Prudentialâs Financial Advisory Council.pdf
Best of Both Worlds -LPL Financial.PDF
Whats your value -BlackRock DC Edge Magazine.PDF
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Retirement Benefits Group is pleased to announce it has been recognized again as one of PLANADVISERs Top 100 Retirement Plan Advisor Teams for 2010. This is the 5th year in a row our team of consultants and service professionals have been recognized for their expertise and guidance. The finalists were selected out of more than 550 nominations, representing over 100 advisors or advisor teams. This prestigious award is designed to acknowledge advisors who are truly making a difference in helping build a secure retirement for others.
• Consult to 100s of plans, 10s of thousands of participants and
Billions of dollars
• Consulting to institutions since 1987
• Consistently Recognized by Planadviser Magazine as one of the Top 100 Retirement Plan Adviser Teams*
• Recognized by Institutional Investor magazine as Rising Stars in the retirement plan space**
• Have conducted thousands of one-on-one participant sessions
• 8 of our consultants were distinguished as top advisors by PlanSponsor Magazine in 2009**
• Member of the Profit Sharing Council of America
*Based on nominations from industry peers and quanitative factors, including numbers of plans and dollar value of plan assets under advisement.
**Based on nominations from industry peers and selected on the following attributes: 40 years of age or younger and have credentials and
experience and a career consistency that indicates they will be the ones to watch as leaders and trend setters in the industry going forward.
Retirement Benefits Group is a registered trademark of Retirement Benefits Group, LLC. All rights reserved. Securities offered through LPL Financial, Member FINRA / SIPC . Investment Advice offered through Retirement Benefits Group™, a Registered Investment Advisor and separate entity from LPL Financial. The LPL Financial registered representative associated with this site may only discuss and/or transact securities business with residents of the following states: AK, AL, AR, AZ, CA, CO, CT, FL, GA, HI, IA, ID, IL, KS, KY, LA, MA, MD, MI, MN, MO, MS, MT, NC, NH, NJ, NM, NV, NY, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, WI
