Corporate Services

Employees who understand their financial options and benefits are usually less stressed, happier, and more productive. ARGI Corporate Services can help your staff to better understand their benefits and make crucial steps towards long-term financial goals and stability.

First and foremost we are educators — help us to help your business through our tailor-made seminars. Topics can cover anything that our clients feel is necessary or most beneficial. Previous seminars have included:

• Investing for Today, Retirement and Beyond
• Reducing Financial Stress
• Retirement Planning During Times of Change
• Understanding your Company’s Insurance Options
• Building Blocks for Financial Freedom

Respective services provided by ARGI Investment Services, LLC, a Registered Investment Adviser, ARGI CPAs and Advisors, PLLC, ARGI Business Services, LLC, and Advisor Insurance Solutions. All are affiliates of ARGI Financial Group.

As the economic cycle turns in what feels like ever-faster revolutions, downsizing and career changes are an inevitable fact of life. ARGI can help with those periods of transition, when companies cut costs or realize post-M&A synergies.

Downsizing is stressful for everyone involved — no executive likes to lose staff, and no employee wants to lose a job. ARGI’s Outplacement Services can help to prepare staff for new careers, for long-term financial stability, or with other concerns.

ARGI’s Outplacement Financial Services include:

• One year of one-on-one financial advice.
• Provision of financial services during a period of transition.
• Guidance for employees on severance packages pension options including stock options, stock appreciation rights, income deferrals, 401(k), investment asset allocation, health insurance, COBRA laws, and cash flow.
• Comprehensive financial analysis including current financial position, retirement, investments, protection, income taxes, and estate planning.
• Addressing important aspects of employees’ current situation to help them define the steps needed to meet their goals.

Respective services provided by ARGI Investment Services, LLC, a Registered Investment Adviser, ARGI CPAs and Advisors, PLLC, ARGI Business Services, LLC, and Advisor Insurance Solutions. All are affiliates of ARGI Financial Group.

To become an executive is to reach the pinnacle of your chosen profession. However, promotion, higher incomes, stock options, and changes to retirement planning can often bring complications to a long-established financial plan. Often, there was no plan there in the first place.

ARGI’s Executive Financial Planning can help executives to manage their compensation and benefits. Those might include early retirement and effective Estate Tax Planning — or they might just revolve around how to give it all away.

Whatever your plans are, ARGI is here to put them into action. Our services include:

• Personalized financial advice based on philosophy and goals.
• Guidance through a comprehensive financial planning process.
• Retirement or early retirement options.
• ARGI’s services as “CFO” for clients and their families.
• Implementation of financial plan, including coordination and realization of company benefits.
• Strategies to create long-term tax efficiency.
• Proactive tax projection services.
• Tax preparation for financial planning clients.
• Tax impact now and in retirement with payout options, deferred salary, and stock options.

Respective services provided by ARGI Investment Services, LLC, a Registered Investment Adviser, ARGI CPAs and Advisors, PLLC, ARGI Business Services, LLC, and Advisor Insurance Solutions. All are affiliates of ARGI Financial Group.

Only 44% of employees believe their employer cares about their financial well-being.* ARGI can help change this misconception by helping employers attract and retain top talent. Our ESOP education program helps employees better understand, appreciate and potentially maximize their company’s ESOP offering.

We assist employees by exploring:

• What it means for employees to participate in your company’s ESOP program
• Understanding ESOP participant rights
• Company specific ESOP vesting, diversification and distribution details
• Basic ESOP terminology
• How ESOP funds are distributed at separation or retirement for specific company programs

In addition to ESOP education, ARGI advisors can provide employees with comprehensive financial planning to potentially help reduce financial stress by reviewing topics such as:

• Incorporating the ESOP benefit into the employee’s personal financial plan
• Integrating the ESOP benefit with other retirement options
• Retirement affordability through cash flow analysis
• Potential tax implications regarding the company specific ESOP distribution

Respective services provided by ARGI Investment Services, LLC, a Registered Investment Adviser, ARGI CPAs and Advisors, PLLC, ARGI Business Services, LLC, and Advisor Insurance Solutions. All are affiliates of ARGI Financial Group. ARGI is a corporate member of The ESOP Association. ARGI is not retained by, affiliated with or endorsed by The ESOP Association. *Statistic from PWC Employee Financial Wellness Survey, 2016 Results

ARGI has a team dedicated to Executive Compensation Analysis. For a corporation, this service is helpful in determining how the compensation and benefits package in one area equates to another, and brings to light the financial factors that should be considered, such as cost of living, taxes, housing, and leisure facilities. ARGI is able to provide pertinent data to clients in order to compare options. For a corporation, this is helpful in ensuring executives understand the full value of an offer, thus helping to retain valuable employees.

Retirement planning services, offered in conjunction with early retirement or voluntary retirement offers, help employees understand their financial position and retirement feasibility.

Respective services provided by ARGI Investment Services, LLC, a Registered Investment Adviser, ARGI CPAs and Advisors, PLLC, ARGI Business Services, LLC, and Advisor Insurance Solutions. All are affiliates of ARGI Financial Group.

For many businesses and non-profit organizations, creating an effective and competitive retirement plan is an endless chore. ARGI’s team of dedicated Business Retirement Plan Advisors makes building and running a company’s retirement plan easier, leaving our clients to dedicate their time to what they do best — running and growing their businesses.

Whether your company is in need of a comprehensive review of its existing retirement plan or looking to establish a new plan, ARGI’s Business Retirement Plan Services are tailored to fit your needs. We serve companies of all sizes, from advising on the creation and maintenance of a compliant qualified retirement plan, to providing participants with comprehensive financial planning, and education designed to help them grow, protect, and conserve their wealth.

ARGI is with plan sponsors and participants every step of the way.

Our Business Retirement Plan Services include:

• Plan Design / Enhancement
• Fund Lineup Selection, Benchmarking, and Monitoring
• Participant Enrollment, Education, and Advice
• Analysis of Plan Fees and Expenses
• Vendor Searches and Fee Benchmarking
• Fiduciary Leadership and Risk Management
• Comprehensive Retirement Plan Review
• Request for Proposal (RFP) Guidance

ARGI Advisors consult on a variety of plans including:

• 401(k)
• 403(b)
• 401(a) / Profit Sharing Plan
• Simple IRAs
• SEP IRAs
• Defined Benefit Plan
• Cash Balance Plan
• 457 Plan
• Employee Stock Ownership Plan

Let ARGI’s experience work for you.

Respective services provided by ARGI Investment Services, LLC, a Registered Investment Adviser, ARGI CPAs and Advisors, PLLC, ARGI Business Services, LLC, and Advisor Insurance Solutions. All are affiliates of ARGI Financial Group.

Are you concerned about your retirement plan’s performance? Do you clearly understand all of the fees and expenses? When’s the last time your company’s retirement plan was reviewed? There’s no shame if the answer is “rarely” or “never” — you are not alone.

Our Retirement Plan Review Service provides an objective evaluation of your current retirement plan. We identify its strengths and weaknesses, compliance with federal law, identify plan expenses, and define the roles of the various parties involved with your plan.

ARGI’s Retirement Plan Review Service helps plan sponsors fulfill their fiduciary duty of having an annual disinterested party review their plan, compare fees, identify service gaps, and / or confirm the orderly compliant operation of their plan.

All Retirement Plans should have the following:

• Compliant Plan Design and Operation
• Efficient Investment Options
• Competitive Fees for Service
• Access to Financial Education, which results in better money decisions

Our analysis begins with a review of your fiduciary status:

• Who is the fiduciary to the plan?
• Is the broker / advisor to your plan providing the services mandated by current retirement plan laws?
• Are educational seminars being provided to your employees in accordance with DOL regulations?
• Have all of the forms required by various government agencies been filed on a timely basis?

Next, we review the investment choices offered to your employees:

• Are the investment choices offered by your provider unbiased?
• Are the investment options offered to your employees competitive?
• Do any of the investment choices need to be replaced?
• Are any prohibited parties representing your plan?

Finally, we review your plan’s expenses:

• What are all the fees being charged to the plan?
• How do the fees being charged compare to your peer group plans?
• How do the fees compare to the national average?
• Are the fees being charged reasonable?

Respective services provided by ARGI Investment Services, LLC, a Registered Investment Adviser, ARGI CPAs and Advisors, PLLC, ARGI Business Services, LLC, and Advisor Insurance Solutions.  All are affiliates of ARGI Financial Group.

ARGI’s Retirement Plan Request for Proposal (RFP) is a comprehensive retirement plan review that can avoid long-term problems, creating evidence of the prudent selection of our clients’ plan’s service providers.

A regular review of planning is so important that the Department of Labor (DOL) has created a list of issues plan sponsors should consider when selecting and evaluating service providers. The list, entitled “Tips for Selecting and Monitoring Service providers for Your Employee Benefit Plan,” is located on the DOL website.

Don’t think pension plan reviews matter? Think again. Individual Trustees may be (and have been) found liable for breaching plan guidelines. Evidence of a proper due-diligence process and ongoing review of policies and providers is imperative.

Get the RFP process started by contacting us.

Even though there are significant benefits for conducting an RFP for a plan’s service providers, the method used can materially impact the results. The first step is to hire the right independent investment fiduciary as the plan’s advisor. Determine what is important to a particular plan and its participants, then ask focused questions in the RFP to address specific needs.

A regular plan RFP produces many benefits beyond fulfilling fiduciary obligations, empowering trustees with the knowledge to create an effective retirement plan. All of these benefits can help promote corporate wellness when employees are able to reach their goals for a successful retirement.

Respective services provided by ARGI Investment Services, LLC, a Registered Investment Adviser, ARGI CPAs and Advisors, PLLC, ARGI Business Services, LLC, and Advisor Insurance Solutions. All are affiliates of ARGI Financial Group.