Retirement Plans

Johnston Investment Counsel understands that, as a small business, you have other things to worry about than the details of operating a retirement plan. Unfortunately, retirement plans can be complex and confusing. Yet, when properly used, they can be very powerful retirement tools. The importance of a well-designed and managed retirement plan is critical since employees are now primarily responsible for their own retirement security.

Johnston Investment Counsel understands the need for a highly effective and cost efficient retirement plan. Johnston Investment Counsel's plans are effective because:

• Johnston Investment Counsel evaluates the existing retirement plan development and design to determine if an alternative design may better meet the client's goals and objectives. Factors such as contribution allocation, automatic enrollment, and annual step increases are evaluated and considered. In addition, a detailed fee analysis and review is conducted.
• As an independent advisor, Johnston Investment Counsel selects investment options from anywhere -- we are not forced to select from any list. Johnston Investment Counsel's research is what guides our investment option selection and we can use lower-cost index and/or institutional funds.
• Johnston Investment Counsel structures several pre-designed, one-stop portfolios that exhibit different risk/return characteristics or target maturity dates. For participants who do not want to manage their own account, these one-stop portfolios are extremely attractive.
• Johnston Investment Counsel provides ongoing participant education that not only inform participants about the plan's characteristics, but the importance of time and diversification in saving for retirement.
• Johnston Investment Counsel provides the plan sponsor ongoing retirement performance evaluations of the plan's investment options versus benchmark indices and peer groups. This type of analysis is one tool that assists the sponsor in meeting its ongoing fiduciary responsibilities.
• Johnston Investment Counsel acknowledges its fiduciary advisor status in writing.

 

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