By implementing a qualified retirement plan, you took an important step in assisting your employees in planning for their future financial security. However, with a constantly changing regulatory environment and a rapidly growing number of available investment options, it’s not always clear as to whether past choices are still appropriate, given the current market conditions and available alternatives.

Industry studies show that a retirement plan is highly valued by employees, second only to health insurance. Because of the importance of this benefit, your organization’s retirement plan is critical to your ability to recruit and retain high-quality employees. However, retirement plans are complicated, making it challenging for employers to evaluate their effectiveness.

Here at KingdomTrust Capital Management, Inc. (KTCM, Inc.), we focus on meeting employers’ retirement plan needs. In reviewing retirement programs, some things to consider include:

  • Compliance issues that impact the tax-qualified status of your plan.
  • Plan design, focusing on options that may favor highly compensated and/or longer-term employees.
  • The quality and variety of investment choices available to employees and the due diligence and documentation process of their selection and ongoing review.
  • The true “net cost” of the plan by taking into consideration both billed (administrative) and unbilled [investment] expenses.
  • The appropriateness of bundled vs. unbundled administrative approaches.
  • The quality and consistency of reporting and administrative support.
  • The quality and effectiveness of employee communication procedures and materials.

The area of fiduciary responsibility is of particular importance in today’s retirement plan environment. An annual review of your retirement plan, as well as a current Investment Policy Statement documenting your investment selection and monitoring policies are key steps toward meeting your fiduciary responsibilities.

How We Can Help

At KingdomTrust Capital Management, Inc. our retirement plan consulting services focuses on enhancing the efficiency and operation of your organization’s retirement plan and increase the value of the plan for you as the plan sponsor and participants. Investments, plan design, employee education and client relationship management are all key areas where KTCM, Inc. can provide assistance.

Examples of such support may include:

  • Provide the plan sponsor with a sample investment policy statement (IPS).
  • Conduct a plan review with trustees and fiduciaries.
  • Review plan design to ensure it continues to meet employer goals and objectives
  • Review discretionary employer contributions budget objectives and alternatives.
  • Encourage a review of the investment array pursuant to the guidelines adopted in the IPS and the documentation of this process.
  • Review participation levels and provide information regarding plan features that may help participants increase their contributions.
  • Coordinate periodic employee enrollment and educational opportunities.
  • Review compliance-related issues, including discrimination test results, bonding, 5500 forms, audit needs and 404(c) requirements.
  • Review plan administration, recordkeeping and management fees.
  • Review plan sponsor and participant satisfaction with service providers, benchmark and request provider proposals, if appropriate.








Retirement Plan Consulting
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"Experience has taught us that people are more at ease with making financial decisions when they can clearly identify and articulate the correlation between their values and the advice given with respect to their overall financial needs. Whether it is retirement, estate planning, portfolio management or investment management consulting for institutional and “accredited investors” at KingdomTrust Capital Management, Inc. we are eager to learn what your values are."
- Martin A. Smith, President
4800 Hampden Lane, Suite 200 | Bethesda, MD 20814 | Office: (301) 769-6919 |Fax: (240) 266-0788

KingdomTrust Capital Management, Inc. (KTCM) is a Registered Investment Advisor.
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