Providing the right kind of pre-tax benefit program to employees in today’s complex regulatory environment and the increasing amount of fiduciary responsibilities of the employer, requires the services of an organization with the experience of Retirement Asset Management Group, Inc.

The choice regarding the right type of plan, investment options, plan features, document preparation, regulatory review, effective employee communication and an ongoing service strategy are all critical components of a successful benefit program.

Choosing whether to offer a bundled program; where the product provider includes ERISA filing and plan design services; or a truly customized program which includes a Third Party Administrator, are areas where The RAM Group, Inc. experience plays a critical role. We analyze which approach is in the best interest of the employer and employees. As an independent benefit specialist, we have the scope to match the correct options with employer specifications.

The RAM Group, Inc will provide retirement and Cafeteria program options from a number of providers and produce an analysis of the following key factors:

• Plan design options and plan types
• Complete disclosure of fees for administration and plan services
• The creation of an “Investment Policy Statement”
• Investment option choices, including performance and internal fees
• Enrollment and ongoing service
• Employee communication programs
• Quarterly investment option performance review

*Securities and Investment Advisory Services offered through GWN SECURITIES, INC., member FINRA & SIPC 11440 North Jog Road, Palm Beach Gardens, FL 33418.
Phone: 561-472-2700