PROGRAMS, PRODUCTS & SERVICES

Retirement Plan Advisory Services

We understand that executives must focus their attention on successfully running their business.  We also understand that those same executives have fiduciary responsibility towards their company retirement plans and may be personally liable for every decision that is made.  At InterOcean, our team of seasoned professionals will help you balance those seemingly contradictory objectives.

We realize that many of the executives we work with have had no formal training on fiduciary responsibilities.  In response, we developed the Fiduciary Compass (sm) – a comprehensive process designed to help company executives navigate their fiduciary responsibilities.  The Fiduciary Compass covers the six key areas of the retirement plan experience:

• Co-Fiduciary Responsibility – We accept co-fiduciary responsibility in writing, giving piece of mind to business owners that our interests are aligned.
• Plan Design - We will work with you to ensure that the design of your retirement plan is consistent with company goals and objectives.  Types of plans offered include:
• 401(k)
• Profit Sharing
• Defined Benefit Pension
• Non-Qualified Executive Benefit Programs
• Independent Investment Advice – Using a customized Investment Policy Statement as our guide, we recommend, implement, and monitor a personalized investment menu of high quality mutual funds from a variety of fund families.
• Employee Education and Communication – We will work with you to help your employees achieve financial independence.  Your retirement plan offering will be a tool used to recruit and retain key employees.
• Recordkeeping and Administration – We have relationships with local and national third-party-administrators (TPA) that excel at compliance testing, daily-valuation recordkeeping, signature-ready IRS Form 5500 preparation, and plan sponsor / participant web access.
• Vendor Search - We will work with you to help you identify and recruit the optimal providers to complete your retirement program including a trustee, custodian, TPA, audit team, and ERISA attorney.

At InterOcean Retirement Services, we have over 25 years of combined experience serving business owners and their employees.  Our mission is to provide a complete retirement solution, modeled after ERISA best practices, designed to protect you from fiduciary liability and guide your employees towards financial independence.