Organizing Data

Meeting your retirement goals.

However you define them. 

 

Action Point Retirement provides retirement plan advisory services to small - medium sized companies and investment management to middle class families. Through effective plan design, innovative educational programs, and by fostering a retirement-focused culture within our clients employer-sponsored retirement plans we can make a substantial and positive difference in their lives. We believe that our clients will experience better retirement outcomes by working with us.

INDEPENDENT/FIDUCIARY

As a registered investment advisor, Action Point Retirement has a fiduciary duty to all clients. It is our responsibility to provide full disclosure of all material facts and act solely in the best interest of each of our clients at all times. This means we are product and provider agnostic. No proprietary products or services, no hidden agendas.

INTEGRITY 

Our firm was built on the premise that people are best served by advisors who are motivated to focus exclusively on the best interest of their clients. We conduct ourselves with honesty and fairness at all times and in all circumstances. We do what is right, even when it is difficult or out of fashion.

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RETIREMENT PLAN ADVISORY SERVICES

3(21) & 3(38) FIDUCIARY SUPPORT

As a plan sponsor and fiduciary, it's up to you to handle administration, oversee plan management, and make decisions regarding plan assets. If that's not enough, you're also tasked with regulatory compliance and legal liability - not to mention the plan's overall performance.

We can help. We do more than provide investment expertise - we share the burden of responsibility and our independent team of accredited advisors follow industry best practices for fiduciary governance and when advising clients.

INVESTMENTS
Our investment services are rooted in proven investment principles, well-documented participant behavior, advances in plan design, and the evolving regulatory environment.

We're focused on helping you offer a robust investment lineup that suits your organization, and provide participants with the right tools to make sound retirement decisions.

PLAN DESIGN
An assumption underlying any voluntary retirement plan is that employees make good financial decisions that they are able to implement. A weakness of this approach is that many of your employees make poor choices, resulting in retirement income that is insufficient to sustain them through retirement. 

 

Together we help plan sponsors consider the powerful and positive impacts of behaviorally based programs that “automate” improved saving and investment decisions. These programs have been found to be more effective than traditional educational programs alone.

EMPLOYEE EDUCATION

It’s not just about retirement. Each of your employees brings a unique set of qualities into the workplace — attributes related to family, lifestyle, health, and finances that help shape who your employees are and how they work. As we work to guide employees towards financial freedom, it’s crucial to recognize that, for many, saving for retirement isn’t their top priority.

 

Workers struggle to balance competing financial priorities, and in order to achieve financial wellness, they need help in every phase of life.

 
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INVESTMENT MANAGEMENT

Our investment philosophy is results driven, not merely return driven. While our goal is to deliver competitive returns, we don't measure our success by simply beating a specific benchmark. Instead, we measure our success by how well we're able to help clients meet their overall financial goals, paying particular attention to downside risk.

Making sure that you can do the things you want in retirement.

Most people have no idea if they have enough income and investments to last a long retirement. Nor do they understand the negative impacts of various risks and taxes in retirement. Many have no idea when they can retire, or once they do, what their goals are for prospering in retirement. We use a data-driven analysis to both determine if you have enough money but also help you identify your lifestyle goals and priorities in retirement.

Maximizing your investment returns.

No one has the ability to accurately and consistently predict what asset classes will outperform in any given market condition or over and particular time period. We believe that responsible investing and diversification across investment sectors, styles, and asset classes is the only way to provide reasonable appropriate exposure to the markets. 

Protecting your income.

Expenses and taxes if not managed properly, can be the largest drag on your investment returns. As a fiduciary, we are always keenly aware of fees and by re-categorizing assets and utilizing tax efficient withdrawal strategies we can help reduce taxes in retirement. Efficiently re-positioning retirement assets and utilizing the proper sequence of withdrawals (tax-free accounts, tax-deferred accounts, and taxable accounts) can reduce the negative effect of Required Minimum Distributions (RMDs) and Social Security taxation creating a more effective withdrawal strategy. 

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For any general inquiries, please fill in the following contact form:

 

Contact Action Point Retirement

OUR ADDRESS:

121 S. Main St

Wayland, MI 49348

Tel: 616-662-3074

Action Point Retirement Group     

Phone: (616) 622-3074 | (888) 250-8942