Meeting your retirement goals.
However you define them.
We help organizations design and deliver retirement plans that allow their employees to plan for a successful retirement. Whether you need the support and protection of a fiduciary partner, or want to improve retirement outcomes for your employees, our advice provides you with an unobstructed view of your plan.
We believe that our clients will experience better retirement outcomes by working with us.
INDEPENDENT/FIDUCIARY
Action Point Retirement is independently owned and has no proprietary products, requirements, etc. Serving as our clients "fiduciary partner", Action Point provides the specialized experience and expertise to help our clients meet and mange their fiduciary responsibilities under ERISA and mitigate fiduciary liability risk.
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.
ACCOUNTABILITY
Individually, and as a company, we accept responsibility for our actions. We embrace our role as trusted advisors and understand our obligation to be vigilant stewards of all that is entrusted to us.
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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.
We advise on the construction of a retirement plan investment strategy, the selection of asset classes within the strategy, and the selection and monitoring of the funds within the investment menu.
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.
FEES & EXPENSES
The Employee Retirement Income Security Act of 1974 (ERISA) requires retirement plan fiduciaries to ensure that all fees paid out of the retirement plan are reasonable in light of services rendered. Plan sponsors are not required to purchase services from the lowest bidder, but they must be able to demonstrate a deliberate process by which reasonableness of applicable fees is regularly considered.
We provide plan specific fee benchmarking to assist our clients in meeting the fee reasonableness standard.
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
