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Retirement Plan Services

At Springwater, we’re committed to helping your business design, implement and maintain a high-quality and cost-effective retirement plan.

Along with a qualified retirement plan comes responsibility – including providing a range of low-cost investment choices. With Springwater, your plan will have access to the highly-regarded mutual funds managed by Dimensional Fund Advisors (“DFA”).

Creating a suitable menu of investment options for your plan is critical. With Springwater, you can be assured that your plan’s investments are appropriate for you and your plan participants.

Where appropriate, we’ll design an assortment of well-diversified, low-cost model portfolios that complement the individual investment choices available, to meet your company’s objectives.

For more information about our services for participant-directed plans, like 401(k) and 403(b) plans, please click here.

For more information about our services for trustee-directed plans, like defined benefit and profit sharing plans, please click here.

Consulting Services
Springwater Wealth Management also provides consulting services to retirement plan sponsors. Our consulting advice may include analysis and advice regarding your existing retirement plan, such as recommendations for modification of the plan’s investment options, or advice regarding the creation of a new plan.

If you’d like to learn more about how we can help your company start a new retirement plan – or improve your existing one – please contact us.

For participant-directed plans, we provide the following services:

  • Develop and implement an Investment Policy Statement
  • Review and monitor asset styles and allocation of the investment menu
  • Investment manager due diligence, screening, and recommendations
  • Ongoing monitoring and performance review
  • Develop asset allocation models
  • Periodic meetings with the Plan Sponsor
  • Annual plan due diligence meeting to review the plan’s fiduciary aspects

  • Develop / refine a strategy for employee education and communication
  • Design custom materials for meetings and ongoing education
  • Conduct employee enrollment and investment education meetings
  • Monitor employee participation and investment elections
  • Provide ongoing education and participant support
  • Provide model portfolio tools for participant allocations

For trustee-directed plans, we provide the following services:

  • Investment manager due diligence
  • Search for and guidance of new investment managers and investments
  • Ongoing monitoring and performance review
  • Style analysis, Risk-adjusted return analysis
  • Periodic meetings with Plan Sponsor
  • Annual plan due diligence meeting to review the plan’s fiduciary aspects

  • Perform employee demographic studies
  • Establish and define Plan objectives and goals
  • Develop optimal asset allocation strategy
  • Test Plan assumptions using probability simulations
  • Formalize an Investment Policy Statement
  • Monitor asset allocation strategy as market conditions change