401(k) Solutions

A Quality Retirement Plan Is No Longer Nice To Have

Offering a 401(k) is becoming a necessity for employers to stay competitive, attract top talent and support employees more holistically. Thanks to state mandates and recent legislation – now is the time for organizations of any size to put these types of plans in place. If you offer a plan, now is the time to enhance your benefits because the industry has evolved significantly in the last few years. Explore your options with SHRM 401(k) Solutions by Raymond James.

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Partner With a Company That Puts Yours First

As your co-fiduciary and financial advisor, Raymond James works with your plan's recordkeeper to optimize your plan.

Delegate

You have many responsibilities. Let us take care of this one¹. Removing the heavy burden of solo plan management ensures quality and service – and prioritizes your employees.

1. As set forth in, and subject to, applicable agreements.

Optimize

Having a retirement plan available as part of an employee benefits package plays a significant role in attracting and retaining top talent, helping you stand out in the job market.

Foster

84% of workers identify more with attaining financial independence than a traditional retirement². We’ll help get your employees there.

2. PwC 2021 financial wellness study, 19th annual Transamerica Retirement survey of workers, Bankrate Survey:: Surprisingly fewer people losing sleep over money issues right now, Franklin Templeton’s 2022 Voice of the American Worker survey.

Minimize

We’ll provide liability protection and prudent due diligence. You’ll access a powerful retirement plan that is cost-effective and time-efficient.

The Time You Spend Building Your Employer Sponsored Savings Plan Is Time Well Spent

Did you know that American workers are 12x more likely to save for their financial future if offered a plan through their employer? And thanks to tax credits from recent legislation and certain state mandates, now is a great time to add this impactful benefit.

A 401(k) is an incredibly powerful and effective investment tool to save for the future. Yet for many small to mid-size organizations, costs and resources associated with other employee benefits have made offering a retirement plan challenging. And while a 401(k) plan offers employees the potential for financial security, for employers it also led to financial constraints, administrative headaches, and the personal liability of being a retirement plan sponsor.

There is a better way. SHRM 401(k) Solutions by Raymond James makes it possible for companies of any size to provide a high-quality, competitively priced retirement plan benefit that helps employees make meaningful progress toward their financial and savings goals.

The first step is to build a team that works together to pull your organization in the right direction. In their role as plan advisor, Raymond James can enhance the current offering of your existing provider or help you find one that is a better fit for your employees.

Explore your options and learn about five ways Raymond James can help.

Source: National Association of Plan Advisors

Your 401(k), Our Commitment

SHRM 401(k) Solutions by Raymond James helps make it possible for your employees to save and prepare for retirement – all while helping you meet your fiduciary responsibilities. Get the help and guidance you need to optimize your employee benefits.

How Does Your Plan Stack Up?

Employers need more from their 401(k) service providers. Nearly 50% of plan sponsors are assessing a change to their plan’s recordkeeper or advisor (Fidelity Plan Sponsor Survey, 2022). Organizations are seeking an advocate in their service providers who can deal with potential issues, enhance investment offerings, and who specialize in qualified retirement plans. Employees deserve an opportunity to save for their retirement and strive to achieve better financial outcomes through a high-quality, competitively priced, employer-sponsored retirement plan. And you shouldn’t feel stuck in how your 401(k) plan is managed or intimidated by the process to make improvements.

SHRM 401(k) Solutions by Raymond James can help whether you’re looking to lower costs and remove some of the burdens from offering a 401(k) or you need to establish an efficient and cost-effective offering. We give employers an opportunity to assess their current plan and identify where quality and service can be upgraded while potentially reducing costs.

Empower employees to make financial progress through your 401(k) Plan. Our approach to employee education aims to boost financial wellness through customized tools that meet employees where they are today. Learn five ways Raymond James can help you with your existing plan.

YOUR RETIREMENT PLAN, OUR COMMITMENT

SHRM 401(k) Solutions by Raymond James helps your employees make meaningful progress toward their financial goals while also meeting your fiduciary responsibilities. You get:

Fiduciary vault through client portal
Investment policy statement & client service plan
Fiduciary outsourcing of investment manager selection & monitoring
Employee wellness tools & education
Annual plan fee benchmarking
Coordination with vendors to keep all parties accountable

Resources

Watch

Financial Wellness Primer though Enrich by Raymond James

Download Whitepaper

Retirement Plan Fiduciary Obligations and Risk Management

Download Whitepaper

SECURE Act 2.0 Retirement Plan Takeaways

Disclosure

SHRM 401(k) Solutions by Raymond James is a branding name for the agreement between SHRM and Raymond James where Raymond James offers SHRM audiences with 401(k) retirement plan services. SHRM is a current client of Raymond James. SHRM receives cash compensation from Raymond James when a SHRM member, via introduction by SHRM, becomes a client of Raymond James. SHRM’s receipt of cash compensation creates an incentive for SHRM to market investment advisory services of Raymond James. Raymond James is not affiliated with SHRM. SHRM does not offer investment advisory services.

Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC or Raymond James & Associates, Inc., member NYSE/SIPC each a broker-dealer registered with the Securities and Exchange Commission (SEC). Investment advisory services offered through Raymond James Financial Services Advisors, Inc. or Raymond James & Associates, Inc. each an investment adviser registered with the SEC.

The following links contain information about Raymond James (ADV PART 2A) and how we work with them (Solicitor Disclosure) and should be read carefully.

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Raymond James financial advisors may only conduct business with residents of the states and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability.

Links are being provided for information purposes only. Raymond James is not affiliated with and does not endorse, authorize or sponsor any of the listed websites or their respective sponsors. Raymond James is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.

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