their future and yours.
A well-designed retirement plan takes an analytical mind and a fair amount of creativity. Armed with a proprietary scoring system, sweeping 401K knowledge, and the freedom to finesse when necessary, our team embodies the right blend of both. We step back to consider the big picture before diving deep and collaborating with our diverse selection of plan providers to design the solution you need to attract and retain talent. When it comes to plan management, we take on the liability as your fiduciary, keep an eye on the investments, and empower your employees to take charge of their financial future.
What makes us different.
Our independent relationships with plan providers and the power everyone on our team has to shape your solution mean you and your employees can feel confident in what the financial future holds.
We bring certainty to an uncertain process, consistently delivering on our promises, simplifying complexities, and providing the candid guidance necessary to do retirement right.
As your fiduciary, we make your risk and success our own. It’s how you know, at every turn, we’re acting in the best interest of your company and the people you employ.
While we stay ahead emerging solutions and trends, we know not every bandwagon is worth jumping on. We take the time to vet new products and options before intentionally layering them into your plan design.
At Christensen Group, we take a unique approach to retirement plans, and you’ll experience the difference immediately. Not only do we take the time to get to know you and your unique needs, but we also have extensive experience on all sides of the negotiating table. In other words, we know where the rakes are and we’ll make sure you don’t step on them.
How we work.
Big picture design
Sound retirement plans are more than just funds and fees. In designing a plan to support both your financial and talent goals, we consider all the angles, choose a compatible provider and work with them to build out the features that make your plan successful.
Engaging employees where they are
with in-depth sessions and micro-learning touch points, we help them understand the plan and how they can invest their assets to set themselves up for a comfortable retirement.
Part of our job is making sure the investors do theirs well. Using a sophisticated algorithm, we keep an eye on your investments and share what we find through regular reviews delivered at your convenience.
Our clients rely on us to keep up with their growth. We’re ready to scale right alongside you with a thoughtfully curated suite of tools and a stable core team that will be here for you and your employees as your needs expand and change.
You don’t need to be a magician to know what records to keep and for how long. While most providers can supply reports and plan documents, the plan administrator remains ultimately responsible for retaining adequate records that support the plan document reports and filings. Refer to the chart below to know which documents you need to keep in case of a plan audit.
A retirement plan advisor can serve in either a 3(21) or 3(38) fiduciary capacity, and in some cases, both capacities. The needs and desires of the plan sponsor typically dictate the specific arrangement, which is predicated upon the subject of risk mitigation versus risk avoidance. Some plan sponsors want assistance with their fiduciary responsibilities, but want to maintain discretion and control of their plans’ investment menus. Others want to shift responsibilities to a third party due to their lack of expertise, and ultimately, fear of exposure to liability.
Most prudent plan sponsors hire a plan advisor to help them adhere to ERISA’s rigorous standards and to meet their objective of offering a best practices retirement plan to their employees. ERISA rules are clear — every decision you make as a fiduciary must be in the best interests of plan participants and their beneficiaries, and certain relationships may result in prohibited transactions.
Securities offered through Kestra Investment Services, LLC (Kestra IS), member FINRA/SIPC. Investment advisory services offered through Kestra Advisory Services, LLC (Kestra AS), an affiliate of Kestra IS. The Christensen Group is not affiliated with Kestra IS or Kestra AS. Investor Disclosures – www.kestrafinancial.com/disclosures. Check the background of this firm on FINRA’s BrokerCheck.
This site is published for residents of the United States only. Registered Representatives of Kestra IS and Investment Advisor Representatives of Kestra AS may only conduct business with residents of the states and jurisdictions in which they are properly registered. Therefore, a response to a request for information may be delayed. Not all products and services referenced on this site are available in every state and through every representative or advisor listed. For additional information, please contact our Compliance Department at 844-5-KESTRA (844-553-7872). The web site links referenced are being provided strictly as a courtesy. Neither us, nor Kestra IS or Kestra AS are liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of the links provided.