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Text Content

 * Blog
 * Join the Team
 * Contact Us
 * 703-752-6007

 * Home
 * Fiduciary Responsibility
   * What is a Fiduciary?
   * 8 Essential Elements
   * Fiduciary Test
   * A 5-Pronged Approach
   * The Right Plan Advisor
   * Questions to Ask
 * Our Services
   * Our Services
   * Why We’re Different
 * Resources
   * Whitepapers
   * DOL Resources
   * Blog: Fluent in Fiduciary
 * About
 * Contact Us


PLAN SMART. SMART PLAN.

Helping you understand your fiduciary responsibility so you can meet all of the
requirements mandated by the Department of Labor (DOL)





 * YOU HAVE
   FIDUCIARY RESPONSIBILITY
   
   Over the years, you’ve worn a lot of hats. You’re probably not a retirement
   plan management expert, but the Department of Labor (DOL) doesn’t care. It
   holds you, as the Plan Sponsor for your company’s retirement account,
   personally accountable.
   
   Fiduciary Responsibility
   
   
   


 * YOU HAVE
   FIDUCIARY RESPONSIBILITY
   
   Over the years, you’ve worn a lot of hats. You’re probably not a retirement
   plan management expert, but the Department of Labor (DOL) doesn’t care. It
   holds you, as the Plan Sponsor for your company’s retirement account,
   personally accountable.
   
   Fiduciary Responsibility
   
   
   


 * YOU HAVE
   FIDUCIARY RESPONSIBILITY
   
   Over the years, you’ve worn a lot of hats. You’re probably not a retirement
   plan management expert, but the Department of Labor (DOL) doesn’t care. It
   holds you, as the Plan Sponsor for your company’s retirement account,
   personally accountable.
   
   Fiduciary Responsibility
   
   
   


BEING A FIDUCIARY MEANS YOU
HAVE A BIG RESPONSIBILITY

You might think your big-name bank or broker will bear the fiduciary
responsibility, but read the fine print.

All of the known national retirement plan brokers we surveyed don’t act as
discretionary managers and they specifically reject in writing their status as a
Fiduciary under the Employee Retirement Income Security Act (ERISA) guidelines.

Take Our Awareness Test


THAT BIG RESPONSIBILITY CAN RESULT IN SUBSTANTIAL FINANCIAL PENALTIES IF A
DEFINED PRUDENT PROCESS ISN’T FOLLOWED…

Through its enforcement of ERISA, the Employee Benefits Security Administration
(EBSA) collected $1.69 billion in fees from Plan Sponsors after retirement plan
audits in 2013.

$0 MM

PROHIBITED TRANSACTIONS

$0 MM

PLAN ASSETS

$0 MM

VOLUNTARY CORRECTIONS


FOR EXAMPLE, A TECHNOLOGY COMPANY IS POTENTIALLY AT RISK FOR DOL ENFORCEMENT…

The Plan Sponsors of this business could be held both professionally and
personally responsible by the DOL for excess fees incurred by their employees.


Created with Highcharts 11.0.1YearsProjected Annual FeesCurrent Retirement Plan
Fees Versus Benchmark FeesCurrentBenchmark3691215182105M10M15M20M25M

A mid-sized technology company has grown tremendously since it started 17 years
ago, but the Plan Sponsors haven’t followed a prudent process. As a result, the
chart above demonstrates the difference between the fees that the employees are
paying versus the reduced benchmarked fees they should be paying.

Unchecked and over time, the excess fees can accrue to overs $37 million
dollars. The employees are paying these excess fees which can significantly
impact the success of their future retirement.


HOW CAN YOU BE ASSURED YOU’RE FOLLOWING A “PROCESS OF PRUDENCE”

It’s not only about avoiding fines. Following a process of prudence makes sure
your employees have a retirement plan they can depend on.



 * ESTABLISH


 * QUALIFY


 * MANAGE


 * MONITOR


SAFE HARBOR PARTNERS

 * 
 * 
 * 


WE’RE ON THE SAME SIDE OF THE TABLE

We are not beholden to, represent or get compensated from brokers, mutual funds
or any investment product or company. Our interests are aligned with yours, the
Plan Sponsor, and the unified goal of delivering a compliant retirement plan to
all employees. After all, the stakes are high:

November 2014 Study by Center for Retirement Research at Boston College states:

Households retiring in the future will be less prepared than those in the past.

National Retirement Risk Index shows half of today’s working households will not
be able to maintain their pre-retirement living standards.

Study shows current savings hinges on people’s willingness to accept declining
consumption as they age.

To bolster retirement preparedness, policies should be adopted requiring 401(k)
auto-enrollment and auto-escalation.



WHY US?

THE DEPARTMENT OF LABOR RECOMMENDS THAT IF YOU DON’T HAVE THE KNOWLEDGE,
EXPERIENCE AND SKILL YOU NEED TO HIRE SOMEONE WHO DOES.

That’s us.

Contact Safe Harbor




WHAT WE DELIVER


 * FIDUCIARY RESPONSIBILITY
   
   Safe Harbor Partners will pledge (in writing) fiduciary responsibility to the
   401(k) and 403(b) plans of your employees.
   
   
   FINANCIAL ADVICE
   
   Our CFP®, CFA and AIF® advisors will aid in fund selection, due diligence,
   portfolio creation, and investment monitoring.
   
   
   PLAN ASSESSMENT
   
   We’ll review your current plan for potential risk, requesting RFPs from
   multiple reputable providers to seek the best pricing and value for a
   particular plan.
   
   
   
   PRODUCT BENCHMARKS
   
   In a rigorous review process, Safe Harbor Partners will assess the plan,
   benchmark it to peers, and identify potential red flags that may exist.
   
   
   PROCESS OF PRUDENCE
   
   We help you establish a process of prudence that includes all 8 criteria for
   a successful plan and review emerging requirements through an Annual
   Fiduciary Checklist.
   
   
   COMMUNICATIONS
   
   An educated employee is better equipped to make informed retirement
   investment decisions; Safe Harbor Partners helps you create and deliver
   efficient participant communication programs.


 * FIDUCIARY RESPONSIBILITY
   
   Safe Harbor Partners will pledge (in writing) fiduciary responsibility to the
   401(k) and 403(b) plans of your employees.
   
   
   FINANCIAL ADVICE
   
   Our CFP®, CFA and AIF® advisors will aid in fund selection, due diligence,
   portfolio creation, and investment monitoring.
   
   
   PLAN ASSESSMENT
   
   We’ll review your current plan for potential risk, requesting RFPs from
   multiple reputable providers to seek the best pricing and value for a
   particular plan.
   
   
   
   PRODUCT BENCHMARKS
   
   In a rigorous review process, Safe Harbor Partners will assess the plan,
   benchmark it to peers, and identify potential red flags that may exist.
   
   
   PROCESS OF PRUDENCE
   
   We help you establish a process of prudence that includes all 8 criteria for
   a successful plan and review emerging requirements through an Annual
   Fiduciary Checklist.
   
   
   COMMUNICATIONS
   
   An educated employee is better equipped to make informed retirement
   investment decisions; Safe Harbor Partners helps you create and deliver
   efficient participant communication programs.


 * FIDUCIARY RESPONSIBILITY
   
   Safe Harbor Partners will pledge (in writing) fiduciary responsibility to the
   401(k) and 403(b) plans of your employees.
   
   
   FINANCIAL ADVICE
   
   Our CFP®, CFA and AIF® advisors will aid in fund selection, due diligence,
   portfolio creation, and investment monitoring.
   
   
   PLAN ASSESSMENT
   
   We’ll review your current plan for potential risk, requesting RFPs from
   multiple reputable providers to seek the best pricing and value for a
   particular plan.
   
   
   
   PRODUCT BENCHMARKS
   
   In a rigorous review process, Safe Harbor Partners will assess the plan,
   benchmark it to peers, and identify potential red flags that may exist.
   
   
   PROCESS OF PRUDENCE
   
   We help you establish a process of prudence that includes all 8 criteria for
   a successful plan and review emerging requirements through an Annual
   Fiduciary Checklist.
   
   
   COMMUNICATIONS
   
   An educated employee is better equipped to make informed retirement
   investment decisions; Safe Harbor Partners helps you create and deliver
   efficient participant communication programs.


OUR COMMITMENT TO YOU


WE ASK THE HARD QUESTIONS

We go beyond basic expense ratios, returns and Morningstar ratings. We interview
actively-managed fund representatives, asking tough questions to gain key
insights on fund operational structures, processes and investment proficiency.


PORTFOLIO MANAGEMENT SOLUTIONS

We manage comprehensive, diversified investment portfolios for employees who
prefer not to manage their own accounts. We’re here to help.


COURSE CORRECTIONS

Regulatory changes happen quickly. We meet individually with Plan Sponsors to
ensure you are meeting your fiduciary responsibility.


CONTACT SAFE HARBOR PARTNERS

If you’d like to learn how Safe Harbor Partners can help you establish and
maintain a process of prudence and provide a plan your employees can depend on,
pick up the phone and dial 703.752.6007.

703-752-6007
703-752-6015
info@safeharborpartners.com
McLean, VA - View Map


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REMEMBER...

 * > “Don’t select retirement plan advisors based on their ability to pick
   > stocks or boast high rates of return. The true value of advisors lies is
   > their knowledge of the process for selecting financial instruments and in
   > their ability to put fiduciary standards in place that keep you, the Plan
   > Sponsor, in compliance with the regulations to which you are personally
   > held accountable.”– Kathy Duffy, Safe Harbor Partners

 * > “Don’t select retirement plan advisors based on their ability to pick
   > stocks or boast high rates of return. The true value of advisors lies is
   > their knowledge of the process for selecting financial instruments and in
   > their ability to put fiduciary standards in place that keep you, the Plan
   > Sponsor, in compliance with the regulations to which you are personally
   > held accountable.”– Kathy Duffy, Safe Harbor Partners

 * > “Don’t select retirement plan advisors based on their ability to pick
   > stocks or boast high rates of return. The true value of advisors lies is
   > their knowledge of the process for selecting financial instruments and in
   > their ability to put fiduciary standards in place that keep you, the Plan
   > Sponsor, in compliance with the regulations to which you are personally
   > held accountable.”– Kathy Duffy, Safe Harbor Partners


RECENT POSTS

2023 QUARTER 1 REVIEW

April 20, 2023


2022 QUARTER 4 REVIEW

January 13, 2023


2022 QUARTER 3 REVIEW

November 11, 2022



ABOUT US

At Safe Harbor Partners, our goal is to help you understand your fiduciary
responsibility so you can meet all of its requirements—and to ensure you have a
prudent process in place for making investment decisions, as mandated by the
U.S. Department of Labor.

Learn how Safe Harbor Partners is different


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