Executive Retirement Plan Services

Your current workplace retirement account – 401k, 403b
Global Benefits provider Aon Hewitt surveyed more than 700,000 retirement plan participants during the period of 2006-2012, which included the market crash of 2008-2009. Their findings were astounding. Those plan participants that utilized some form of professional advice to manage their retirement accounts outperformed all others by more than 3.3% per year (after all fees).

This annual 3.3% return difference has a profound effect at retirement.

Below is an example of the impact this difference can make after 20 years for a 45-year-old that has $100,000 in their workplace retirement account:


No Advice

With Advice










Aon found, in dollar terms, that a 45-year-old participant that uses some form of professional advice will amass $587,000 by the age of 65 or 79% more. Both scenarios assume no further contributions by either participant and include all fees. The numbers magnify even more when 20 years of additional contributions are factored in.

Why the great disparity? The survey found that the portfolios of individuals who didn’t seek advice suffered from:

  • Inappropriate risk levels
  • Market timing mistakes
  • Misunderstanding risks and market volatility

THERE IS A WAY for you to have your retirement account managed by a professional without disrupting your existing account. More than 100,000 retirement plans throughout the country, including 401k’s and 403b’s, allow for individual participants, like you, to engage a professional advisor to help manage your retirement account assets directly through your existing plan. The process is simple and easy to implement and nothing about your account will change other than a significant increase in your investment options. Contact us and we can show you how.

Your previous workplace retirement accounts – Rollovers.

Is a good portion of your wealth still sitting in your previous employer’s retirement plan? DO NOT make the mistake that so many have by falsely believing that all of their retirement assets were safe in their old 401k or 403b. Corporate bankruptcies happen, even large ones like Enron, market crashes happen like what happened in 2008-2009. If you have any portion of your retirement assets invested in your former employer’s stock, you must take action now.

When Enron went bankrupt, it was one of the largest companies in the S&P 500. At the time thousands of current and former employees had the majority of their retirement assets invested in Enron’s stock only to lose it all. When the market crashed in 2008-2009, Citicorp and many other large corporations lost 90% of their market valuations. Today, the stock of Citicorp, one of the largest financial institutions in the world, trades at 8% of the previous market peak it achieved in 2007. If you were an employee or former employee of Citicorp, Enron or other similar company and planning to retire between then and now, and you were heavily invested via your 401k in the company stock, your retirement has been decimated.

This is a common problem that we see over and over at Gwynedd. Executives come to us with retirement account statements from their previous employer’s and the accounts have not been adjusted since they left the company. Many times the accounts are either invested in a Stable Value fund, which earns virtually zero, or the company stock which represents 40%-50% of the total allocation.

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