Business Retirement Plans

Company Sponsored Retirement Plans for Employees

John Graham & Associates is committed to our clients to help them establish and/or maintain a company sponsored retirement plan that is right for them and above all helps attract and retain valuable employees.  We emphasize the service and education we provide our clients and their employees.  This added value empowers employees to better understand their benefits package.  This attributes to greater appreciation of the benefits and higher participation rates.

Which plan is right for your company?  401(K)?  403(B)?  Simple IRA?  SEP IRA? Uni K?

With the recent tax changes should your company make any changes to your current plan?

Our representatives will work with you to answer these questions and help you implement a new plan or make changes to your current plan, if need be.  We continue to work with you and your employees to provide service and education to all your employees.  We will also be available to work with many of your retirees to assist them in making the important financial decisions they face.

Education and Communication

We pride ourselves on the education and communication provided to our clients.  Our defined contribution clients receive education and updates throughout the year.  Most enrollees will receive an annual newsletter from the fund provider, as well as a quarterly statement.  Our firm will hold enrollment meetings twice per year, during which we will sit with participants individually to assist them with the enrolling process, as well as meet with current participants to make changes or review their account.  We also provide group meetings to new employees/participants to explain their individual plan and the need to save for retirement.  

Program Selection

John Graham & Associates is an independent firm, which allows us to work with just about any 401(K) provider.  Our main focus is to “shop” your plan to find the best plan for your needs.  Most of our plan providers have the capability of a multi-fund family structure if so desired.  We have the capability to work with many group annuity companies, many fund company programs, and the capability to establish a customized program.

Recordkeeping and Administration

As a locally owned, independent financial planning firm, John Graham & Associates has the capability to work with a long list of third party administrators.  With all of our clients we work with the employer to find an administrator that meets their individual needs (cost structure, investment structure, administration, and access needs).  We believe strongly that “one size does not fit all” and work hard to custom tailor a plan that meets all of our clients’ goals.  John Graham & Associates has added flexibility in that we can not only change the investments within a plan, but we can also change administrators if they do not meet our requirements.  Furthermore, this gives us the ability to provide high-tech services without losing the “high-touch” communication and service expected from our clients.  No matter which administrator we work with, a professional from John Graham & Associates will always be the main contact person for your plan.

If you would like further information about this topic please contact Nathan White at (309)-699-6608 or nwhite@midwesternsecurities.com.  If you are interested in a quote on a new plan or existing plan please click on the “Request Quote” link under the "Resources" tab on the top toolbar.  The information you submit is confidential and will be used to give you a no-obligation, comprehensive plan analysis.