Retirement Programs

managing retirement savings through economic and market cycles

Whether you are a business — large or small — or an individual saving for your retirement, the retirement planning process is the fist step towards achieving your goals. We will work with you to design and implement a solution, customized specifically to meet your needs.

CWM has expertise in the corporate retirement plan market. We also work personally with individual investors, assisting with retirement income planning and management of their 401K rollover’s, IRA’s and other savings. Find out more below about our retirement services specifically designed with you and your future in mind.

Individuals

The current interest rate environment and volatile market conditions have proven very challenging for fixed income investors. One of the first questions many investors ask when they retire is “How much money can I take out without depleting my assets?” And “how should I invest my retirement savings so I don’t run out of money?”

While many investors have done a relatively good job of accumulating assets, they may not have done much planning for distribution. When this lack of distribution planning is combined with the uncontrollable variables of market performance and inflation it could present a potentially significant problem.

When you work with us, our primary goal will be to help you maintain your standard of living and keep pace with inflation. We offer professionally managed IRA rollover and consolidation accounts focusing on conservative investments. We will work closely with you to devise a personalized wealth preservation and distribution strategy that may incorporate charitable giving, trusts and estate planning.

Corporations

Employees – more than ever – need the help of the business owner to ensure they are saving enough for retirement. Whether you have already implemented a retirement plan or looking to start one, you could benefit from the expertise and objective advice of CWM. We offer plans for all sizes of business – large or small – and assist with new plan implementation, conversion of an existing plan or simply will as the ‘broker-of-record’ for your existing plan, to assist with your administrative and employee education needs.

We offer the resources and tools necessary to help you through each stage of the retirement plan process.

Choice of leading plan providers
Because no single retirement plan option fits every organization, we work with dozens of the top retirement plan providers to provide a comprehensive selection of retirement plans for businesses of all sizes.

Through our affiliations with LPL Financial, we access a dedicated team of experienced Retirement Plan Consultants that can assist you in all aspects of retirement plan. The evaluation of plan providers according to the following criteria:

  • Background/Organization
  • Investments
  • Communication & Education
  • Implementation
  • Legal and Compliance
  • Systems and Technology
  • Customer Service
  • Administration and Outsourcing
  • Reporting
  • Fees

 

Large Institutional Plans

As a large company, there are many components to your plans – communication with participants, administrative functions, monitoring plan activity and providing employees with seamless access to their accounts. Our Retirement Plan Consulting team at LPL and our plan sponsor partners continually invest in and improve our cutting-edge technology platforms, providing the following services:

Plan Design: enrollment, re-enrollment and deferral increase

Flexible Investment Platform: open architecture, next-generation QDIA, lifetime income options

Premier Service: interactive online experience, premium tools and support, transparency in fees and performance

Small Business Retirement Programs

Although it may seem like a complicated and time-consuming task, a retirement plan is an attractive, cost-effective way to help your employees plan for the future and remain happy — helping you recruit and retain top talent. Our role at CWM as your retirement plan advisor can be segmented into:

  • Developing an overall retirement plan strategy
  • Evaluating and selecting service providers
  • Performing plan design consulting
  • Assist in designing an investment policy statement (IPS)
  • Managing the implementation and transition to new provider(s)
  • Serving as the primary contact for all aspects of plan servicing
  • Providing ongoing plan reviews
  • Managing employee communication and investment education
  • Wealth management for business owners

Assignment as ‘Broker-of-Record’ for Existing Plans

If you are satisfied with your retirement plan, or perhaps unprepared to make a change, but still wish to have improved local service then consider assigning CWM as your financial advisor for your existing plan. For no additional expense or cost to you or your employees, we will serve as your local contact and assist with employee education and enrollment and serve as an administrative liaison with your plan provider.