Employer
Attract and retain your top employees. Calculate and reduce the cost of employee turnover and lost productivity. Reduce your taxes and secure your own exit with an effective Employee Financial Wellness Program and 401k or 403b Plan. The Return On Investment (ROI) averages $5/1.
What We Offer.
Financial Wellness
Technology assisted financial coaching and and investment advisory services to individuals who experience liquidity & cash flow distress, haven't saved enough for retirement , desire to convert retirement savings into income.
Fiduciary Services
Reduce your fiduciary risk by implementing 21 best practices or delegating much of it to an ERISA 3(38) manager.
Group Financial Wellness Program.
The Pension 401k is an independent fiduciary consultant, fee-only financial planning and investment advisory firm. Our mission is to be the source of Financial Independence and Peace of Mind to 1,000 clients without requiring minimum investable assets. We desire to be your team of trustworthy Financial Guides and Coaches to mastering the game of money.
Nearly one in five workers had access to financial planning benefits in 2017
Explore Our Personal Financial Services.
Financial achievement and fulfillment are 20% strategy and 80% psychology. We deliver both.
Financial Assessment
Answer 10 questions for a financial assessment of your position compared to national averages for others with your demographics. Identify your Wealth Position on the Financial Life Cycle and compare it with your Age Position. Identify gaps so you can begin to close them. You can’t control what you don’t count. You can’t manage what you don’t measure.
Financial Planning
A constantly updated financial plan to double your net worth every 5 years in the accumulation stages or to convert it to income during the conservation and distribution stages. The focus is on action and tracking progress. You will always have 3 next steps in front of you. As you complete one step, your three next steps will be updated.
Two-Minute Spending Plan
Use our tool to create a spending plan (budget) in two minutes using Federal Reserve data for households that match your demographics. Enter and compare your actual expenses to the average. Create multiple scenarios until the numbers balance in the way you desire. After you’ve balanced your spending plan, join the One Percent Club. Establish an initial savings rate and then increase it by 1% per year until you reach your target or a minimum of 10%.
Retirement Income Planning
Access to Dimensional Retirement Income Calculator to assess the income should you expect your retirement savings to generate once you stop working.
Progress Tracking
Track your progress. If you count it, you can control it. If you measure it, you can manage it.
Knowledge Center
Access to online courses, educational tools, materials, and videos.
Fiduciary Services.
Fiduciary Assessment
Fiduciary assessment of existing retirement plan for conformance to 21 best practices
CEFEX Certification
CEFEX certification of conformance to a global standard of fiduciary excellence (www.cefex.org).
Retirement Plan Solutions
Qualified Retirement Plan solutions that meet the fiduciary standards we teach and model.