Retirement Management

Employer Sponsored Retirement Plans

For most Americans, the 401(k) plan represents the foundation of their retirement savings. As a result, the financial security of many workers depends on organizations choosing thoughtful and disciplined advisors for their 401(k) retirement plan management.

Iron Horse Wealth Management works with you to design an appealing retirement plan that helps all participants reach the goal of a more secure retirement.

Our goal is to make it easy for your company to switch or start a great 401(k) plan that meets the purpose and goals you set.  Our engaging education sessions give employees the information they need to plan for the future no matter what their future might bring.

Here are a few of the ways we make it easy to invest in your employees — and your company’s future.


Open Architecture

Iron Horse works with several custodians to ensure we are providing you with the best options for your company. Our loyalty is to you and your employees and not to anyone else.   We give you access to a wide variety of options and help you choose the plan that best meets your goals. With our open architecture approach to 401(k) plans, you’re able to choose from a wide array of different investment options and provide your employees with maximum options.

Expenses

Iron Horse Wealth Management works with you to help ensure that the costs of 401(k) retirement plan management fit your company’s budget and align with your corporate financial goals. We provide full fee disclosure and competitive pricing, and work with you to design a plan that is beneficial to both the participants and the company.


Performance

We carefully monitor your plan’s performance and recommend strategies for optimizing your plan. Our process includes: 

An upfront statement of our investment policy criteria

Disciplined adherence to these standards, using a watch list, formal reviews and removal recommendations

Reviewing fund choices for style or management changes

Comparing plan performance and fund expenses to other plans in your peer group


Fiduciary Compliance & Support

Iron Horse Wealth Management helps employers improve their fund performance, increase employee enrollment and bring their plans into compliance. If you are a plan trustee or administrator, there are important regulatory responsibilities that you must meet.

If you answer “NO” to any of the following questions, please consider contacting Iron Horse Wealth Management to discuss your solutions.

Are you aware of your responsibilities as a fiduciary under ERISA?

Are you satisfied with the way plan assets are invested?

Are the assets properly diversified?

Have the investments been reviewed in the past 12 months?

Does the plan have an investment policy statement (IPS)? If yes, has it been reviewed recently?

Is the plan asset allocation coordinated with the IPS?

Are the plan assets rebalanced periodically?

Are you satisfied that plan investment costs are under control? 

If you answered “NO” to any of these questions we can help.