Retirement Plan Services

Employer sponsored retirement plans (e.g. 401(k), 403(b), etc.) are typically ranked as the second most important benefit to employees (right after healthcare). To compete for quality employees, an employer needs to have a plan that has reasonable costs (administrative, fund, and match) and satisfies the compliance requirements that can be burdensome.

One of the largest components of compliance for a qualified retirement plan is the fund review obligation of the employer, the Plan Sponsor. Using an adviser with dozens of years of experience will help employers satisfy this obligation.

**Our Fiduciary Investment Reviews are “a mix of art & science” using decades of experience & historical investment data.**
David Marom holds half a dozen FINRA registrations (Series 7, 24, 65, 6, 51, 63) along with the Accredited Investment Fiduciary® (AIF®) Designation. With over two dozen years of experience reviewing retirement plans, including time as Chief Compliance Officer for a small boutique Broker Dealer and Registered Investment Advisory firm in NY City, he brings his “art” and analytical skills to his proprietary Fiduciary Investment Reviews. This is combined with the “Science” of a statistical investment database arranged by fi360.

Our analysis utilizes Morningstar® ratings in combination with historical reviews of 11 key criteria:

Stability & Reliability Related factors:

· Inception Date. Must have at least a 3-year track history

· Manager Tenure. Must have at least a 2-year track history. (Most senior manager's tenure)

· Net Assets. Must have >= 75 million under management. (Total across all share classes)

· Composition. Must have >= 80% allocation to primary asset (Not applied to all peer groups)

· Style. Must have current style box match the peer group. (Not applied to all peer groups)

Cost factor:

· Prospectus Net Exp Ratio. Must place in the top 75% of its peer group.

Performance factors:

· Alpha - Broad Market (3 YR). Must place in the top 50% of its peer group.

· Sharpe (3 YR). Must place in the top 50% of its peer group.

· Return (1 YR). Must place in the top 50% of its peer group.

· Return (3 YR). Must place in the top 50% of its peer group.

· Return (5 YR). Must place in the top 50% of its peer group.

Our goal is to always protect the fiduciaries (The executives charged in administering / managing the plan) as well as help participants reach their retirement goals.

Over 10 states (or cities) now require employers to automatically enroll employees in the State Plan, or offer their own plan (401k, 403b, etc). Offering your own plan gives you control over investments and makes you eligible for a 50% tax credit. Below is a map of US States with mandatory programs…

Securities offered through Federated Securities Inc (est. 1970) - Member of FINRA & SIPC

BD (Broker Dealer) Address: 680 Park Ave. Huntington, NY 11743; Phone: 631-421-4499

Contact: David Marom, Direct Phone: 917-620-0754 marom@federatedsecurities.com

FINRA registered with Series 7, 24, 65, 6, 51 and 63 (multiple states). See FINRA broker check