Employer and Participant Retirement Planning Services
Learn more about our planning processes before getting started.
rebel Financial is your fiduciary partner
ERISA provides a “safe harbor," which limits a plan sponsor’s fiduciary liability where a qualified investment manager is appointed. A full delegation under ERISA section 3(38) represents the highest level of investment liability transfer possible under ERISA and rebel Financial specifically accepts this fiduciary status and discretion in writing for our plan sponsors.
We truly believe in serving the best interests of our plan sponsors and every participant. Therefore, if there is something that violates that ethical “line in the sand” then we would forego any potential economic benefit (no matter how large).
Comprehensive services for Employers & Sponsors
Plan Design Services
We consult with you at plan implementation and ongoing throughout the life of your plan to help you build the best plan for your business and employees. We understand that these objectives may change over time which is why we’re always collaborating with our plan sponsors to adapt their plans as their needs change.
Plan Monitoring & Benchmarking
We will help you to understand how well your plan is doing compared to your peer group and your industry. We'll continually collaborate with you to devise new strategies to improve your plan and, eventually, make it one of the best in your industry.
Fiduciary Review & Certification
We review and certify every plan we take on. If we feel that a plan sponsor is doing something on a plan that we cannot certify, then we will not take that plan on as a client. We believe that doing the right thing has no monetary price tag.
Great Investment Selection
No longer are you tied to a small investment line-up offered by restrictive 401k products or insurance contracts. Our platform is open architecture and we can add almost any mutual fund or ETF available on the US exchanges.
As your 3(38) plan fiduciary, we use sophisticated tools to continually monitor the plan and its investment options to make sure that they are the appropriate investments for your participants and, if one or more of our investments cross over into our screening replacement list, we remove and replace it immediately and automatically for you. This ensures that your participants always have appropriate investments as well as removing some of the fiduciary liability from you.
We are truly open-architecture/built from scratch
We use no proprietary funds.
There are no fund restrictions.
We offset all mutual fund revenue.
Any piece of our plan infrastructure can be replaced at any time if it is no longer in your best interests: TPA, recordkeeper, custodian, investment manager, etc.
Participant & Employee Services
Enrollment & educational meetings
Did you know that a properly funded and invested retirement account over an average employee’s career would contain almost 3 times more in growth than their actual contributions? We provide enrollment and educational meetings and seminars to help your employees get the most out of your retirement plan so that they can succeed.
Discounted financial planning services
Again, financial planning is our specialty and we have streamlined our processes and technology so we can provide great financial planning services at lower prices to help more people. Even so, we will further discount any of your employees’ planning fees with us by 50% of the fee their account generated within the plan.
Quarterly market update videos
As an addition to our model portfolios, we produce quarterly videos that explain what happened over the quarter, what we did to manage your participants' investments, and reinforce why they’re invested the way that they are so they can stay invested and actually realize the great long-term investment returns that allude most investors.
Ability to chat and meet with a CFP
We are a financial planning company at heart that has built a wonderful retirement platform. We have Certified Financial Professionals (CFP) that can help your employees when they have questions or need support that they just can’t receive from most providers.
Access to professionally managed model portfolios
We have model portfolios in which we pick the funds for your employees, rebalance as necessary, and try to stay up-to-date with your employees so that they will stick to their long-term investment strategy and actually earn the necessary returns to fulfill their retirement goals.
Open, Transparent, and progressive pricing
What will you pay us?
We have a very simple pricing model based on your plan's total assets. As your plan grows, we'll automatically apply discounts as you are eligible.
View our fee schedule.
What will you pay the TPA & recordkeeper?
The TPA is like the accountant of your plan and the recordkeeper keeps track of all the details. We use firms that perform both of these duties to streamline your costs.
Your TPA costs will be 0-0.1%/yr of plan assets, plus $1,000-$10,000/yr flat fee, plus ancillary fees for one-time service items
View sample pricing sheet.
What will you pay the investment managers?
Since this is an open architecture plan, fund expenses could be between 0.05%-5% per year. We recommend that you choose only the most cost efficient funds for your plan.
What will you pay the custodian?
The custodian is the larger financial company that actually holds your retirement plan assets and executes all of our instructions and trading (i.e. TD Ameritrade, Schwab, Matrix, Fidelity, etc). This will cost 0.02-0.04%/yr.
