America is facing a retirement crisis.
The trend away from pension plans to 401(k) plans has shifted the investment responsibility from the company to the employee. According to the U.S. Department of Labor, 38 million workers within the United States are not offered a company-sponsored retirement plan. As a result, almost one in four American households have less than $1,000 in retirement savings1.
Retirement savings plans are employees’ best shot at achieving their retirement goals.
Workers with a retirement plan through their workplace are ten times more likely to be saving for retirement than those that do not have a workplace savings plan1.
Not all plans are created equal.
Valentine 401(k) helps plan participants attain retirement goals better than the competition. With low fees and individual guidance free from conflicts-of-interest, we help you make sound investment decisions and keep more of the gains you deserve.
*According to industry watch group Dalbar, Inc., for the twenty-year period ending 2010, the stock market grew 9.14% annually, while stock mutual fund investors earned just 3.83%! How could stock investors do so poorly compared to the stock market? The answer is a combination of excessive fees and bad decision making. As a plan sponsor, you bear responsibility for the opportunities your employees are afforded, and the decisions they make.
1 According to the Employee Benefit Research Institute’s “2017 Retirement Confidence Survey”