Who We Help
- Companies and nonprofits sponsoring a 401(k), 403(b) or 457 plan
- Plan committees who need documented process and fiduciary support
- Owners who want the plan designed around what they can put away, not just compliance
- Employers whose current adviser shows up once a year, if that
- Companies preparing for a sale, where the plan has to be handled correctly in the transaction
What We Provide
- 3(21) co-fiduciary or 3(38) investment manager services
- Investment policy statement, menu design and documented ongoing monitoring
- Fee benchmarking across recordkeeping, administration and investments
- Provider search, plan conversions and payroll integration
- Plan design — safe harbor, new comparability, cash balance layered over a 401(k)
- Deferred compensation, including 457(b) and 457(f) for nonprofit executives
- Group enrollment and re-enrollment meetings, on site and virtual, timed around shifts
- One-on-one meetings for every employee — no minimum balance, at no cost to the company
- Financial wellness workshops on budgeting, debt, student loans and first-time homebuying
Where We Go Further Than Most Plan Advisers
- Outside 401(k)s and IRAs tracked, reviewed and managed at the same low fee as the plan, not our standard advisory rate
- At retirement, the 401(k) can roll into an IRA we manage at that same plan fee, rather than a higher fee elsewhere
- Allocation guidance for the fund lineup and any brokerage window in the plan
- Retirement readiness and income gap analysis for individual participants
- Social Security and Medicare timing as employees approach retirement
Recordkeepers and providers we work with
We are provider-agnostic and are not limited to those shown. Part of our work is benchmarking whether the recordkeeper you already have is still the right one. Provider and platform names and logos are the property of their respective owners and are shown for identification only. Their inclusion does not imply endorsement of, or affiliation with, My 360 Wealth Management Group.
Frequently Asked Questions
What is the difference between 3(21) and 3(38)?
Under 3(21) we act as a co-fiduciary and recommend investments while the plan sponsor keeps decision-making authority. Under 3(38) we are appointed investment manager and take discretion for selecting and monitoring the investments, moving more of that responsibility away from the committee.
How do you charge the company?
Plan advisory fees are disclosed in the service agreement and benchmarked against the market. The one-on-one employee meetings and the financial wellness education are included at no additional cost to the company.
Can employees get help even if they don’t invest with you?
Yes. Employee and participant services are available to every employee regardless of balance, salary, or whether they hold any account with us.
How is the plan treated if I sell the business?
It has to be decided before the deal closes — whether the plan terminates, merges into the buyer’s plan, or continues. Getting it wrong creates avoidable cost and compliance exposure, so we work it through with your deal team.
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Schedule a ConsultationMy 360 Wealth Management Group, Global Retirement Partners and LPL Financial do not provide tax or legal advice. Please consult your tax advisor or attorney for guidance specific to your situation.
LPL Financial representatives offer access to Trust Services through The Private Trust Company N.A. an affiliate of LPL Financial.
Investing in mutual funds involves risk, including possible loss of principal. Fund value will fluctuate with market conditions and it may not achieve its investment objective.
Investing in ETFs involves risk, including possible loss of principal, as well as risks related to diversification, trading interruptions, and tracking accuracy. Their market value will fluctuate and may trade above or below their net asset value (NAV), and upon redemption, ETF shares may be worth more or less than their original cost.
Investing involves risk, including possible loss of principal. There is no guarantee that the views or strategies discussed will be suitable for all investors, achieve desired results, or protect against loss. Investors should consult a financial professional to determine what may be appropriate for their situation.