service - business owners
Employer-Sponsored Retirement Plan
Offering a well-designed retirement plan can be an effective way to attract and retain talented employees. We provide plan design support to help you establish and optimize your employer-sponsored plan.
When you offer a retirement plan to support your employees, you take on legal responsibility for ensuring the plan is in compliance with a wide range of regulations. That can be an overwhelming burden for any employer. But don’t worry. As your partner, we help you take control of your fiduciary and regulatory requirements.
Our plan design support services help optimize your employer-sponsor retirement plan, for both 401(k) and 403(b) (7) plans.
EMPLOYER
We help you make better decisions, optimize plan design features, retain top talent and manage your plan’s investment options. Our services for employers include:
In-depth needs assessment of your current program
Identification, prioritization and triage of short- and long-term areas of attention
Vendor coordination and product assessment
Plan design support
Meaningful and timely research to help you make educated decisions for plan participants
Regular updates on new industry features and best practices
Regularly scheduled meetings to review plan analysis
EMPLOYEE
We dedicate time to help improve your employees’ retirement readiness by providing the following services.
Development, execution and oversight of employee financial wellness offering, including collaboration with vendors
Coordination and execution of employee education meetings to help maximize understanding and appreciation for the benefits you provide
Single-solution education and guidance tools for employees while in plan and after they leave the plan
Highly effective employee outreach and enrollment programs
GOVERNANCE AND STEWARDSHIP
We help you take control of your fiduciary and regulatory requirements by supporting you with the following services.
Fiduciary investment management with oversight through LPL
Financial Strategic Market Solution (SMS)
Fee benchmarking against competitors
Fee benchmarking to ensure competitive pricing from vendors
Assistance with investment selection and monitoring
Model portfolio services to help mitigate fiduciary risk and liability using LPL Financial Strategic Market Solutions team
ERISA attorney access through LPL Financial
This information was developed as a general guide to educate plan sponsors but is not intended as authoritative guidance or tax or legal advice. Each plan has unique requirements, and you should consult your attorney or tax advisor for guidance on your specific situation. In no way does advisor assure that, by using the information provided, plan sponsor will be in compliance with ERISA regulations.
Interested in learning more?
Connect with Cottage Hill Capital
Your Investment Management & Financial Planning Solution.
Are you interested in learning more about how our elevated client experience can help you pursue your goals? We’d love to have a conversation! Please provide your contact information so we can schedule a time to talk
Frequently asked questions
What types of investments do you offer?
We take an open architecture approach to investing, which means we are free to choose from a virtually unlimited universe of investments in order to build custom portfolios based on our clients’ needs. As an independent advisory firm, we have no parent company, joint ventures or investment manager affiliations. This allows us to choose a diversified mix of investments specifically designed to help you achieve your long-term goals.
Why did you name your firm Cottage Hill Capital?
We take an open architecture approach to investing, which means we are free to choose from a virtually unlimited universe of investments in order to build custom portfolios based on our clients’ needs. As an independent advisory firm, we have no parent company, joint ventures or investment manager affiliations. This allows us to choose a diversified mix of investments specifically designed to help you achieve your long-term goals.
Who will I work with?
We take an open architecture approach to investing, which means we are free to choose from a virtually unlimited universe of investments in order to build custom portfolios based on our clients’ needs. As an independent advisory firm, we have no parent company, joint ventures or investment manager affiliations. This allows us to choose a diversified mix of investments specifically designed to help you achieve your long-term goals.
What percentage of your time is reserved for serving clients?
We take an open architecture approach to investing, which means we are free to choose from a virtually unlimited universe of investments in order to build custom portfolios based on our clients’ needs. As an independent advisory firm, we have no parent company, joint ventures or investment manager affiliations. This allows us to choose a diversified mix of investments specifically designed to help you achieve your long-term goals.
How do I get started?
We take an open architecture approach to investing, which means we are free to choose from a virtually unlimited universe of investments in order to build custom portfolios based on our clients’ needs. As an independent advisory firm, we have no parent company, joint ventures or investment manager affiliations. This allows us to choose a diversified mix of investments specifically designed to help you achieve your long-term goals.
Securities and advisory services offered through LPL Financial, a Registered Investment Advisor, Member FINRA/SIPC.
Cottage Hill Capital and LPL Financial are separate entities.
The LPL Financial registered representative(s) associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.
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