Qualified Retirement Plans
The role of a plan sponsor is complex and continually changing. It is important to know your fiduciary responsibilities outlined by the Department of Labor. These duties include:
- Acting solely in the best interests of the plan participants and their beneficiaries
- Acting prudently, including due diligence when selecting and monitoring the plan’s investments
- Diversifying plan investments
- Paying reasonable plan expenses
- Following plan documents
CBS Funding acts as your co-fiduciary. We select and monitor investment choices and ensure diverse investment offerings. Our fees are competitive, and we only use mutual funds with no-loads and no transaction fees to minimize costs.
Our services include –
- Fund Selection
- Portfolio Design
- Asset Allocation
- Participant Education
Our goal is simple. We provide you and your employees with –
- Quality and comprehensive portfolio management services
- Extensive ongoing education and consultations
- Continual monitoring of the funds
- Quarterly written investment performance feedback
Since we are independent of any particular family of funds, we able to –
- Choose among all fund families
- Utilize only no-load, no-transaction fee mutual funds, enabling us to cross fund families at no charge to you
For participant directed plans (e.g. 401(k) Plans), we offer various lifestyle portfolios ranging from Conservative to Very Aggressive. We meet with each participant to assist them in determining which portfolio meets their current and long-term objectives, based on their individual –
- Time horizon
- Risk tolerance level
- Return expectations
- Cash flow requirements
Our program is complete…including taking on co-fiduciary responsibility