Bryson Financial Group - Retirement Plans

Our Promise to You

Bryson Financial Group is a member firm of National Retirement Partners (NRP) which is an independent consulting firm dedicated solely to the retirement plan market. As a member of NRP we have assembled a team of highly trained professionals to help plan fiduciaries and company sponsors fulfill their obligations in the areas of; fiduciary review, investment policy statement, investment selection, ongoing investment monitoring/review and employee education. Our promise is to create exceptional retirement plan experiences for employers and their employees. We deliver the highest quality program by providing services that save time, reduce exposure to fiduciary liability, and address both Internal Revenue Service and Department of Labor compliance requirements.

Our Retirement Plans contain the following elements:

Investment Due Diligence serves to evaluate your current investment offering in order to ensure that the stated objectives of your investment policy statement are consistently met.
Our Plan Design and Compliance utilizes our unique Third Party Administration Group to ensure the proper guidance with all plan design, regulatory, and tax compliance issues.
Reliable Employee Communication ensures that your employees receive all the necessary information about their retirement plan so you can increase participation and understanding.
Our Commitment goes beyond the traditional role of broker as we provide you with a service that demonstrates years of experience and a vast pool of human capital.
Special Offerings includes programs like our Supplemental Executive Retirement Plan (SERP) fiduciaries to develop and maintain investment due diligence procedures and supporting documentation.

Investment Due Diligence

Market volatility makes it critical for retirement plan sponsors and fiduciaries to develop and maintain investment due diligence procedures and supporting documentation. We use an investment policy statement which acts as a guide to evaluate your current investment offering, measure them against applicable indices, and view your existing provider’s complete menu and the broader universe of investment options. The result is confidence that your plan’s investments are diversified, well managed, and meet the stated objectives of your investment policy statement.

Bryson Financial Group provides this comprehensive analysis by utilizing multiple tools, including Zephyr's Style Advisor, one of the most robust investment analytical tools available. Each investment is evaluated by more than a dozen different and objective analytical measurements, including:

Upside & Downside Capture
Style: Correlation & Style Drift
Performance: Excess Return & Tracking Error
Risk-Return: Standard Deviation, R-squared, Alpha, Beta & Sharpe Ratio

Plan Design and Compliance

Bryson Financial Group’s Third Party Administrative (TPA) group, B&B Benefit Administration, Inc., is an independent firm providing advise and services in the area of plan design, regulatory and tax compliance issues. B&B Benefit Administration, Inc. has developed strategic alliances with several investment only retirement plan providers maintaining a strong network of resources for their clients. Congress has constantly burdened plan sponsors with an overwhelming volume of legislation, making continual review of retirement plans essential. This is why it is critical that the legal, compliance, and design aspects of a plan are current. As a member of NRP we provide an organized, systematic, and periodic review process where every relevant feature is examined to provide an optimal plan. We will review the design and operational features of your company’s plan from an unbiased perspective focusing on:

Increasing participation
Decreasing Costs
Alleviating the burden on benefit personnel
Reducing Trustee and fiduciary liability
Providing innovative solutions to best meet your Company’s needs

Employee Communication

An effective communication program is critical to the success of a company’s retire plan. We understand that the development of an effective communication program varies greatly from business to business and across industries. This is why we review the wide variety of options available and create the most appropriate program for their particular employee population. Consistent implementation of the plan increases employee understanding and participation while raising the profile and appreciation of the benefit. Key components of our communications strategy focus on:

Giving greater visibility of your Company’s retirement plan(s) to attract and retain your valued employees
Providing customized educational programs including:

Pre-enrollment memos, posters and announcements
All on-site meeting conducted by securities licensed representatives
On-site group enrollment meetings
On-site individual enrollment meetings
On-site group investment education meetings
Multi-lingual meeting and representatives
Multi-lingual enrollment materials
Video teleconferencing “Meet Me” meetings for remote locations
Access to on-line investment and financial planning
Targeted, personalized communication
Personalized gap analysis statements

On-going communication to meet participants’ changing needs

Our Commitment

Today’s dynamic retirement plan environment demands the services of professionals who are dedicated retirement plan specialists. Over the past decade, a proliferation of investment options and styles has occurred, increasing the complexity of establishing and maintaining an optimal investment policy. Employees’ increased sophistication and investment knowledge compels a more comprehensive communication program through both traditional delivery systems and increasingly through the Internet. The velocity of change in pension law creates many opportunities for plan enhancement, but also presents many compliance challenges. Retirement plan vendors have attempted to meet these challenges by offering multiple service platforms and pricing models, leading to a myriad of options from which plan sponsors much choose. Matching a company’s needs to the right offering requires independent expertise. We have the intellectual capital, market size and national presence to deliver retirement plan solutions, that are…simply the best.

Supplemental Executive Retirement Plans

One of the most effective ways an employer can assist executives in reaching target retirement goals is through a nonqualified supplement executive retirement plan (SERP), which provides additional retirement benefits. SERPS, also referred to as Top Hat plans, are designed to restore benefits lost to regulatory restrictions on compensation used to calculate qualified pension benefits. In SERPs, executives do not defer current salary or bonus because the dollars used are provided entirely by the employer.

Formulas
There are many types of SERPs such as offset plans or excess benefit plans, and they may be tied to the employer's qualified retirement plan. In calculating benefit formulas, employers may select a defined benefit or defined contribution. Defined benefit provides a stated monthly and annual amount at retirement; defined contribution specifies a calculation based on lost benefits.
There are many plan versions and unlimited benefit and contribution formulas that may be used in plan design. Many respondents to the recent Executive Benefits Survey of Fortune 1000 base benefit formulas on a percentage of executive’s final five-year average compensation. What's more, careful consideration of withholding rules, tax implications and golden parachute payments is essential.




	Our Promise to You Bryson Financial Group is a member firm of National Retirement Partners (NRP) which is an independent consulting firm dedicated solely to the retirement plan market. As a member of NRP we have assembled a team of highly trained professionals to help plan fiduciaries and company sponsors fulfill their obligations in the areas of; fiduciary review, investment policy statement, investment selection, ongoing investment monitoring/review and employee education. Our promise is to create exceptional retirement plan experiences for employers and their employees. We deliver the highest quality program by providing services that save time, reduce exposure to fiduciary liability, and address both Internal Revenue Service and Department of Labor compliance requirements. Our Retirement Plans contain the following elements: Investment Due Diligence serves to evaluate your current investment offering in order to ensure that the stated objectives of your investment policy statement are consistently met. Our Plan Design and Compliance utilizes our unique Third Party Administration Group to ensure the proper guidance with all plan design, regulatory, and tax compliance issues. Reliable Employee Communication ensures that your employees receive all the necessary information about their retirement plan so you can increase participation and understanding. Our Commitment goes beyond the traditional role of broker as we provide you with a service that demonstrates years of experience and a vast pool of human capital. Special Offerings includes programs like our Supplemental Executive Retirement Plan (SERP) fiduciaries to develop and maintain investment due diligence procedures and supporting documentation. Investment Due Diligence Market volatility makes it critical for retirement plan sponsors and fiduciaries to develop and maintain investment due diligence procedures and supporting documentation. We use an investment policy statement which acts as a guide to evaluate your current investment offering, measure them against applicable indices, and view your existing provider’s complete menu and the broader universe of investment options. The result is confidence that your plan’s investments are diversified, well managed, and meet the stated objectives of your investment policy statement. Bryson Financial Group provides this comprehensive analysis by utilizing multiple tools, including Zephyr's Style Advisor, one of the most robust investment analytical tools available. Each investment is evaluated by more than a dozen different and objective analytical measurements, including: Upside & Downside Capture Style: Correlation & Style Drift Performance: Excess Return & Tracking Error Risk-Return: Standard Deviation, R-squared, Alpha, Beta & Sharpe Ratio Plan Design and Compliance Bryson Financial Group’s Third Party Administrative (TPA) group, B&B Benefit Administration, Inc., is an independent firm providing advise and services in the area of plan design, regulatory and tax compliance issues. B&B Benefit Administration, Inc. has developed strategic alliances with several investment only retirement plan providers maintaining a strong network of resources for their clients. Congress has constantly burdened plan sponsors with an overwhelming volume of legislation, making continual review of retirement plans essential. This is why it is critical that the legal, compliance, and design aspects of a plan are current. As a member of NRP we provide an organized, systematic, and periodic review process where every relevant feature is examined to provide an optimal plan. We will review the design and operational features of your company’s plan from an unbiased perspective focusing on: Increasing participation Decreasing Costs Alleviating the burden on benefit personnel Reducing Trustee and fiduciary liability Providing innovative solutions to best meet your Company’s needs Employee Communication An effective communication program is critical to the success of a company’s retire plan. We understand that the development of an effective communication program varies greatly from business to business and across industries. This is why we review the wide variety of options available and create the most appropriate program for their particular employee population. Consistent implementation of the plan increases employee understanding and participation while raising the profile and appreciation of the benefit. Key components of our communications strategy focus on: Giving greater visibility of your Company’s retirement plan(s) to attract and retain your valued employees Providing customized educational programs including: Pre-enrollment memos, posters and announcements All on-site meeting conducted by securities licensed representatives On-site group enrollment meetings On-site individual enrollment meetings On-site group investment education meetings Multi-lingual meeting and representatives Multi-lingual enrollment materials Video teleconferencing “Meet Me” meetings for remote locations Access to on-line investment and financial planning Targeted, personalized communication Personalized gap analysis statements On-going communication to meet participants’ changing needs Our Commitment Today’s dynamic retirement plan environment demands the services of professionals who are dedicated retirement plan specialists. Over the past decade, a proliferation of investment options and styles has occurred, increasing the complexity of establishing and maintaining an optimal investment policy. Employees’ increased sophistication and investment knowledge compels a more comprehensive communication program through both traditional delivery systems and increasingly through the Internet. The velocity of change in pension law creates many opportunities for plan enhancement, but also presents many compliance challenges. Retirement plan vendors have attempted to meet these challenges by offering multiple service platforms and pricing models, leading to a myriad of options from which plan sponsors much choose. Matching a company’s needs to the right offering requires independent expertise. We have the intellectual capital, market size and national presence to deliver retirement plan solutions, that are…simply the best. Supplemental Executive Retirement Plans One of the most effective ways an employer can assist executives in reaching target retirement goals is through a nonqualified supplement executive retirement plan (SERP), which provides additional retirement benefits. SERPS, also referred to as Top Hat plans, are designed to restore benefits lost to regulatory restrictions on compensation used to calculate qualified pension benefits. In SERPs, executives do not defer current salary or bonus because the dollars used are provided entirely by the employer. Formulas There are many types of SERPs such as offset plans or excess benefit plans, and they may be tied to the employer's qualified retirement plan. In calculating benefit formulas, employers may select a defined benefit or defined contribution. Defined benefit provides a stated monthly and annual amount at retirement; defined contribution specifies a calculation based on lost benefits. There are many plan versions and unlimited benefit and contribution formulas that may be used in plan design. Many respondents to the recent Executive Benefits Survey of Fortune 1000 base benefit formulas on a percentage of executive’s final five-year average compensation. What's more, careful consideration of withholding rules, tax implications and golden parachute payments is essential.