Retirement plans don't have to be complicated. Whether you're looking for more robust 401(k) options or you want to explore executive benefit alternatives, the approach you'll get is customized, continuous and disciplined with regular benchmarking. We can also serve as an ERISA 3(21) investment fiduciary, decreasing your liability.
As a 100% Employee Stock Ownership Plan-owned business, we know the importance of a well-crafted retirement plan. We're plan design specialists, connecting you to exactly what you need without relying on standard vendor options.
We're independent so our analysis is objective when selecting funds and providers.
Designing a plan that's tailored to your needs takes expertise. We want to meet your organization's goals and objectives.
We serve as a fiduciary for your plan which is the highest standard of care in the retirement planning industry.
Our proprietary scoring system allows us to evaluate, select and monitor the market of investment opportunities.
We provide ongoing education for your workforce to ensure they have the resources to plan for a successful retirement.
Your personal and business needs are unique. As an independent agent, Christensen Group has the flexibility to help your achieve your long term goals. Our team of respected industry experts is here to make sure you're set up for long term success.
Click here to view our Form CRS.
As an independent agent we work with hundreds of carriers to help find the best policy for your specific needs.
You don’t need to be a magician to know what records to keep and for how long. While most providers can supply reports and plan documents, the plan administrator remains ultimately responsible for retaining adequate records that support the plan document reports and filings. Refer to the chart below to know which documents you need to keep in case of a plan audit.
A retirement plan advisor can serve in either a 3(21) or 3(38) fiduciary capacity, and in some cases, both capacities. The needs and desires of the plan sponsor typically dictate the specific arrangement, which is predicated upon the subject of risk mitigation versus risk avoidance. Some plan sponsors want assistance with their fiduciary responsibilities, but want to maintain discretion and control of their plans’ investment menus. Others want to shift responsibilities to a third party due to their lack of expertise, and ultimately, fear of exposure to liability.
Most prudent plan sponsors hire a plan advisor to help them adhere to ERISA’s rigorous standards and to meet their objective of offering a best practices retirement plan to their employees. ERISA rules are clear — every decision you make as a fiduciary must be in the best interests of plan participants and their beneficiaries, and certain relationships may result in prohibited transactions.
