Aptus' Innovative Retirement Plans Focus on Education and individual Counseling

Aptus Financial is building a new, unique qualified retirement plan practice because we think the industry needs to be re-built from the ground up to dramatically reduce opaque fees and to refocus on education and individual counseling, which is really what helps both sponsors and participants improve outcomes—ultimately higher retirement incomes and financial peace of mind. We've always tried to do things the right way, with just one objective in mind: helping our clients achieve their financial goals. We bring that some mentality to our qualified retirement plan offering, which we believe represents the future of the industry. Not just different or better, but the most ethical and transparent program possible. This is a mission for us.


the Aptus Advantage

Advantage 1: Our fixed fees are low and shrink as a percentage of assets over time. Many traditional retirement plan advisers charge a percentage of plan assets so the fees naturally increase as your assets grow over time.

Advantage 2: We focus on education and offer holistic, one-on-one counseling to every plan participant. With education and counseling, participation and savings increase and employee well being improves.  

Advantage 3: Our plans incorporate passively-managed investment options, which historically have outperformed most actively managed funds.

Advantage 4: We are led by a team of highly credentialed professionals.

Advantage 5: We are true fiduciaries and have worked hard to remove all conflicts of interest from our business.

Advantage 6: We facilitate seamless transitions from existing plans and are neutral on your choice of recordkeepers, including working with existing recordkeepers when appropriate.    


Why Change?

Perhaps the biggest barriers to evaluating a change in your qualified retirement plan is inertia—“if it ain’t broke, don’t fix it”—and entrenched, long-term relationships—“our current provider does a great job.” So why change? Why should you give us a call?

Retirement Plan Sponsor Quiz

  1. Does your qualified retirement plan adviser provide lively and compelling educational sessions that resonate with your employees and positively impact savings rates and financial wellness?

  2. Do your plan participants receive individual counseling that addresses topics outside of the scope of retirement—like household budgeting, student loan consolidation and mortgage refinancing—which clearly impact savings rates and employee well-being?

  3. Are the participation and contribution rates in your plan as high as you’d like?
  4. Are you aware of all the fees in your retirement plan? If the fees are bundled, do you understand how the charges are allocated to recordkeeping, third-party administration, fund management and financial advisers?

  5. Are your fees reflective of the value you and your participants receive?

  6. Does your current adviser sell insurance or other financial products? If so, do you have provisions in your contract to negate those conflicts of interest?

  7. Does your adviser get paid through revenue shares on the funds offered and does that impact the recommendations to participants?

  8. Do the funds in your plan consistently beat passively-managed, index fund alternatives?

  9. Does your plan offer a full slate of low-fee, target retirement date funds?

  10. Does your current adviser hold a Chartered Financial Analyst or Certified Financial Planner designation?

  11. Is your current adviser a true fiduciary, both as defined by ERISA Section 3(38) and in the truer sense of having no conflicts of interest?

  12. Are you willing to let your employees pay more than they should in plan fees in order to maintain relationships with your current providers?


Qualified Retirement Plan Pricing

Our fixed fees are low and shrink as a percentage of assets over time. Many traditional qualified retirement plan advisers charge a percentage of plan assets so the fees naturally increase as your assets grow over time. At Aptus, our transparent fees reflect actual services provided and generally correlate with the number of active plan participants.

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To understand the impact of our low, fixed fees on individual participants over time, we’ve looked at a hypothetical 40-year-old with an initial 401(k) balance of $50,000. Assuming he or she contributes $10,000 per year with a $2,000 employer match, we ran a simulation over 25 years to see how their account balance would grow with Aptus’ low fixed fees in conjunction with low-cost passive funds versus a traditional plan with adviser fees and fund fees totaling 1% of assets under management.


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