APS can provide business owners with a wide variety of retirement plan solutions. We take into consideration the uniqueness of each company and present suitable options that include basic 401(k) plans or more sophisticated retirement solutions.
Since APS is an independent, fee-only, registered investment advisory firm, we believe we have a competitive, conflict-free, advantage in the 401(k)/403(b) retirement plan market. As an independent, we can strategically partner with the top firms in the 401(k) market. We strive to help clients find the right retirement plan option and team of providers for their unique preferences and goals.
Many business owners are unaware that they play the fiduciary role in their company retirement plan, and with that comes a legal responsibility that poses personal liability risks. Retirement plans are heavily regulated and complicated. We can help business owners run their retirement plans "by the book" and greatly reduce employer risk.
APS emphasizes low cost, passive, investment funds that reduce costs and eliminate the conflict of interest resulting from the “revenue sharing,” often occurring with many 401(k) providers.