Proven Planning From Years of Experience

At Pivotal Financial Services, we’ve witnessed the challenges companies face in offering competitive retirement benefits while managing costs. That’s why we’ve forged strategic relationships in the 401(k) marketplace to create retirement plans that deliver maximum value to employees while minimizing expenses for employers.

As your partner, Pivotal Financial Services serves as either a 3(38) or 3(21) fiduciary advisor, providing expert guidance and accountability for every retirement plan we manage.

Our Comprehensive Services Include:

• Fee Disclosure Comparison Report - Gain clarity on your current fees & identify opportunities for savings!
• Full Plan Review & Design - Tailored solutions that meet your business & employee needs.
• Fiduciary Guidance - Ensure compliance and best practices to mitigate risks.
• Investment Selection & Ongoing Monitoring - Access to diversified, competitive investment options with continuous oversight. 
• Full Plan Implementation & Transfer - Seamless onboarding and management of your retirement plan. 
• Employee Education & Meetings - Equip your team with the knowledge to make informed decisions about their retirement. 
• Customized Investment Policy Statements (IPS) - Develop policies to align with your financial goals and regulatory requirements. 

Programs available:

• 401(k) & 403(b) Plans
• Safe Harbor 401(k) Plans
• Profit Sharing Plans
• New Comparability Plans
• Cash Balance Plans
• Non-Qualified Retirement Plan (specialize in 457(b) plans for non-governmental sponsors)

Take the PIVOTAL Step to Lowering Fees

The growth of a 401(k) account directly impacts retirement income, and excessive fees can significantly diminish those savings over time. At Pivotal Financial Services, we analyze your current retirement plan to uncover hidden fees and assess their reasonableness. Our mission is to help your business implement cost-efficient plans that preserve and grow retirement savings for your employees.

Let us help you secure a brighter financial future for your team while reducing costs for your business.

401K FEES MATTER?

See how our fees compare to other companies and discover how much a small business like yours can save on their 401(k) plan!