As a qualified retirement plan advisor, FRMC’s emphasis is on meeting the investment objectives of Plan trustees and participants. Defined Contribution and Defined Benefit Plans utilize institutionally managed separate accounts or mutual funds, while a typical 401(k) plan uses a variety of mutual funds and/or asset allocation funds ranging from conservative to aggressive. The investment managers are selected using our strict selection criteria, including such variables as manager tenure, investment philosophy, performance history, risk rated returns, and management fee structures. Plans are funded through independent money management firms, mutual fund companies, banks, and insurance companies.

FRMC serves as a co-fiduciary for investment selection, continually monitoring the portfolio(s), and recommending changes as necessary. In addition, clients receive a quarterly report illustrating each fund’s performance measured against a pertinent benchmark, allowing them to appropriately monitor investment performance.

FRMC is further committed to the education of plan participants. A Certified Financial Planner presents employee financial education meetings at least annually, and topics are designed to enhance participants’ increasing level of knowledge. Each firm has the option to film the presentations and make them available to new employees.

As a client of FRMC, your company can be sure that... 

• Your retirement plan will meet your investment objectives. This includes the design and implementation of an Investment Policy Statement.

• Your firm will have access to a wide spectrum of investment options, including asset allocation funds.

• Your assets will be custodied by well-recognized trust companies or brokerage firms.

• Your employees will receive financial education designed to grow incrementally with the knowledge of participants. A Certified Financial Planner (CFP) conducts all education seminars.

• Your retirement plan will be monitored by an experienced investment advisor.

• Your employees will receive quarterly reports on each fund as measured against a pertinent benchmark.

Specialized Financial Education Programs

FRMC offers plan sponsors the following customized programs designed to educate participants and increase plan participation.

	Building Your Financial Future is a four, eight or sixteen hour seminar designed to teach employees the basics of money management. Topics begin with the basics for financial planning and goal setting, and work up to more sophisticated issues of investments, retirement planning, estate planning, and tax issues.
	Choices: A Guide to Pre-Retirement, which walks employees through the maze of financial and estate planning issues, with a focus on the psychological aspects of retirement.
	Achieving Financial Independence, a program which discusses the importance of saving, and teaches participants how to develop a retirement planning strategy. This curriculum carefully reviews your Company’s Retirement Plan, and highlights how to effectively use it as a retirement planning tool.

Our proprietary Achieving Financial Independence Report (AFI) gathers each participant’s personal information and compiles it in an easy-to-read format to inform employees of their achievement level in regards to financial security during the retirement years. This report is designed to work effectively either on its own, or in conjunction with the above seminar of the same name.

Employees receive the AFI report as part of a one-hour session conducted by a Certified Financial Planner, who reviews each section and is available to answer questions. Participants are encouraged to review the AFI report information in conjunction with other personal financial documents (i.e. – a spouse’s pension plan, IRA accounts, etc).

Follow-up surveys document the effectiveness of the Achieving Financial Independence Report as a valuable tool for increasing both plan participation and contributions.

Please contact us for additional information on any of the above, including course outlines or to receive a sample copy of the Achieving Financial Independence Report.