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Retirement Plans

Help your employees plan for tomorrow.

Retirement Planning
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Spotlight on: Retirement Plans

The benefits of a good retirement plan are hard to deny—not only do you give employees a valuable way to prepare for the future, you give your company an opportunity to recruit and retain top individuals.

Higginbotham lets you add this important benefit without adding to your administrative load.

We bring experience and fiduciary partnership to the complexities of qualified plan management so you can easily provide for your employees’ financial wellness in retirement and position your company as an employer of choice.

The Higginbotham Difference: We Care

Our authentic and transparent approach to employee benefits is designed to put people at the center of everything we do.

Our health and welfare insurance specialists take the time to get to know your unique needs so we present options that make sense for your group.

And we don’t stop there.

Once we help implement your plan, we deliver year-round value with our Day Two Services® that empower you with resources to educate your employees, administer your plans and maintain compliance. We’re more than your employee benefits broker, we’re an extension of our HR team.

By taking care of your employees, you can rest easy knowing they’re doing the same for your organization.

Because when you lead with values, value leads.

To learn more about how our values-based approach creates value for your organization, click here.

Or visit our Insights page to learn more about employee benefit plans.

You deserve a retirement plan partner invested in your success.

Designing a retirement plan that fully considers the complexity of your financial plans and goals can be unnerving.

With our nationwide network of insurance carriers and deep financial industry experience, it doesn’t have to be.

Request a Quote Let’s Talk

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Consulting

Fiduciary Risk Assessment

We alert plan sponsors of their fiduciary duty and assist in developing procedures and accountability standards that help mitigate fiduciary liability.

Vendor Market Analysis

We manage your vendor selection process, negotiate fees, assist with conversion and analyze the services provided by the vendor so your organization’s objectives are met.

Vendor Management

We verify that your vendors are performing to your expectation in all areas of plan management and issue resolution through benchmarking, fee negotiation and daily oversight.

Plan Benchmarking

Plan sponsors must ensure all plan fees are “reasonable” according to the Department of Labor (DOL). By benchmarking your plan, we reduce your liability, quantify all of your administrative and investment fees and help ensure that you are in compliance.

Mergers and Acquisitions (M&A) Assistance

In the event of a business merger or acquisition, we work closely with all parties involved to make sure each step of the M&A process, from planning to integration, is handled correctly and proficiently.

Employee Communication and Education

We give participants resources ranging from communication pieces to group education so they have the information they need to make smart investment decisions. Our solutions help identify possible obstacles to saving, thereby encouraging plan participation.

Investments

Fiduciary Protection

We stand as your co-fiduciary on all investments in the plan. We also provide fiduciary education to those who have fiduciary responsibility under the law.

Investment Policy Statement Development

We formulate the Investment Policy Statement requirements on the basis of quantitative and qualitative factors, guiding the evaluation and monitoring of selections on an ongoing basis.

Investment Selection

With an Investment Policy Statement in place, we provide you with thoughtful investment choices. Our in-depth industry experience and knowledge of fund management contributes to the success of your portfolio and the financial wellness of plan participants.

Investment Due Diligence

We perform rigorous data analysis when evaluating and benchmarking investment funds in order to help fiduciaries with fund selection, monitoring and replacement.

QDIA Selection and Monitoring

We assist in the prudent selection of Qualified Default Investment Alternatives (QDIA) following the DOL guidelines.

Compliance

Plan Design Assessment

We review all plan documents with an understanding that the organizations and regulations governing your plan have a vast impact on its health and effectiveness. This type of review helps us spot opportunities to improve the design of your plan based on your corporate goals and objectives.

Audit Assistance

We assist with obtaining the necessary documents for annual audits, help address any concerns or inquiries from the auditor and facilitate a workable resolution to obstacles that might arise.

Compliance Testing

We assist the plan sponsor in submitting census information and aid in the completion of questionnaire forms. Once finalized, we review the results to determine if any improvements to your plan design are necessary and practical to improve outcomes.

Day-to-Day Administration

We are your go-to source for answers to the sometimes challenging and time consuming questions you receive.

Securities offered through Kestra Investment Services, LLC (Kestra IS), member FINRA/SIPC. Investment advisory services offered through Kestra Advisory Services, LLC (Kestra AS), an affiliate of Kestra IS.

Higginbotham is not affiliated with Kestra IS or Kestra AS. This site is published for residents of the United States only. Registered Representatives of Kestra Investment Services, LLC and Investment Advisor Representatives of Kestra Advisory Services, LLC, may only conduct business with residents of the states and jurisdictions in which they are properly registered. Therefore, a response to a request for information may be delayed. Not all of the products and services referenced on this site are available in every state and through every representative or advisor listed. Neither Kestra IS or Kestra AS provides legal or tax advice. For additional information, please contact our Compliance department at 844-5-KESTRA (844-553-7872).

http://brokercheck.finra.org/

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Not sure where to start? Talk to someone who wants to listen.

A great plan starts with a conversation. Let’s talk about what you need.

Talk To a Retirement Plan SpecialistRequest a Quote