Proven Planning From Years of Experience

Over the years, Pivotal Financial Services has seen companies struggle to provide their employees with competitive pension products and services. That’s why we formed several key strategic relationships in the 401(k) market in order to develop retirement plans that maximize benefits to employees while keeping costs low for employers.

Pivotal Financial Services, acts as either a 3(38) or 3(21) fiduciary advisor on all retirement plans we service.

We Provide:

• Fee Disclosure Comparison Report
•  Full Plan Review & Design
•  Fiduciary Guidance
•  Investment Selection & Ongoing Monitoring 
•  Full Plan Implementation & Transfer
•  Employee Education & Meetings
•  Customized Investment Policy Statements (IPS)

Programs available:

• 401(k) & 403(b) Plans
• Safe Harbor 401(k) Plans
• Profit Sharing Plans
• New Comparability Plans
• Cash Balance Plans
• Non-Qualified Retirement Plan (specialize in 457(b) plans for non-governmental sponsors)

Take the PIVOTAL Step to Lowering Fees

In a 401(k) plan, the account balance will determine the amount of retirement income received from the plan. Fees and expenses paid by the plan may substantially reduce the growth of an account which can significantly reduce retirement income. We work to determine how much you’re paying in 401(k) hidden fees and if the fees are reasonable so that your retirement plans are only minorly impacted.

401K FEES MATTER?

See how our fees compare to other companies and discover how much a small business like yours can save on their 401(k) plan!