401(k) Maneuver
We can assist employers or employees in a variety of different ways to meet their retirement needs. We provide two distinct employer 401(k) plans based on business and asset size, as well as our individual employee professional account management platform that we believe is like no other!
401(k) Services
Check out our 4 services for employers and employees we offer to meet your 401(k) needs
401(k) Pooled Employer Plan
(PEP)
Employers, are you looking to review or replace your current 401(k) plan? These relatively new employer retirement plans are emerging in the 401(k) plan space. Could a PEP be right for your business?
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401(k) Multiple Employer Plan
(MEP)
Employers of 100 employees or less, are you looking to review or replace your current 401(k) plan? Or are you looking at starting up a 401(k) plan? Our MEP plan may be just the right type of plan as you begin your business or continue to grow your your business.
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401(k) Maneuver Employer Top Down Plan
Employers, did you know your employees can get professional account management with their individual 401(k) account? Why not provide an additional benefit which may help them increase their retirement account balance?
401(k) Maneuver Individual Account Management
Employees, when is the last time you made changes to your 401(k) account? We can manage your individual account and make the necessary changes so that you are in what's working and out of what's not.
401(k) Pooled Employer Plan
(PEP)
A PEP is a retirement plan that allows unrelated businesses to participate in one plan managed by a Pooled Plan Provider (PPP). By participating in the PEP, you will continue to enjoy all of your current benefits without the liability, stress, and administrative challenges.
What a PEP can do for you and your employees? A retirement plan solution that will eliminate your annual audit cost, significantly reduce your fiduciary liability, and remove the daily to-do list from your workday. The days of endless emails, calls, administrative duties, risk, completing 5500’s and audits can all go away.
See what your responsibilities will be with the PEP
Could you or your employees benefit from having your individual 401(k) account actively managed? We have a built-in quarterly active management program if participants choose that optional benefit within our PEP.
See more here on how our active management works
All we recommend is if your current plan has over 100 employees or $1.5 million in plan assets or more, take a look at what we offer. We can provide you with a benchmark (at no cost to you) of your current plan vs our 401(k) Maneuver PEP. No plan is too large. We think of it like, having the best house, in the best neighborhood, at the best price. All you have to do is ask to see it, we think you’ll be impressed!
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401(k) Multiple Employer Plan
(MEP)
Multiple Employer Plan (MEP): Our 401(k) MEP is designed for smaller businesses (we can analyze your situation to determine if a MEP or PEP is best suited for your business) and for an existing or new business that desires to start a 401(k).
Our MEP is a fully integrated, yet fully customizable retirement plan designed to reduce
employer and personal fiduciary liability. By participating in our MEP, you will continue to enjoy
all of your current benefits without the liability, stress, and administrative challenges.
What a MEP can do for you and your employees? Like our PEP, we see the days of the many
emails, calls, administrative tasks, and risk being significantly reduced while the completing and signing your 5500’s and audits may all go away. In addition, we have our built-in quarterly active management if participants choose our service within our MEP.
See more here on how our active management works
The Secure Act 2.0 now provides tax incentives for new 401(k) plans, and new legislation
recently submitted in February is potentially mandating retirement plans for all companies in the
US. Are you prepared if this were to happen?
All we recommend is if your current plan has under 100 employees or $1.5 million in plan assets or
less, take a look at what we offer. We can provide you with a benchmark (at no cost to you) of your current plan vs our 401(k) Maneuver MEP. No plan is too small.
401(k) Maneuver Employer Top Down Plan
Top Down Plan: A great way to get professional account management for all your employees!
Our Top Down Plan just adds a professional account management platform to your employees
existing accounts. We believe that every employee should have the opportunity for professional
account management, not a select few. It is a no cost obligation to your business so doesn’t it
make sense to add it to your current plan?
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How does it work? Once enrolled, employee accounts are linked to our secure platform. Then every 90 days a licensed independent fiduciary, who puts employee interests first, will rebalance each account for them. Employees will still have access to their own individual account while knowing that somebody is making the changes for them, just like a financial advisor does for their IRAs and other investments.
Research shows that participants who get help may receive an average of 3.32% return or more
net of the fee (See https://aon.mediaroom.com/news-releases?item=136959 for more information.). In addition, the fee is taken directly out of the participant’s account. Don’t you think your employees would thank you if they had another $200,000 – $300,000 or more in their 401(k)retirement account at the time they retire?
Want to find out what your or an employee's account could potentially end up with?
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Try this calculator below to find out!
401(k) Maneuver Individual Account Management
401(k) Individual Maneuver: A great way for you as an employee to get help with your 401(k).
Would you like the potential to boost your 401(k)? If so, we provide professional account management of your 401(k)/403(b) or other retirement type plans. Imagine having $200,00-$300,000 or more in your account when you retire! Our goal is simply to: Increase account performance over time, manage downside risk to minimize losses while reducing fees that harm account performance.
How does it work? Once enrolled, your account is linked to our secure platform. Every 90 days a licensed independent fiduciary will rebalance your account for you. You will continue to have access to your individual account knowing that someone is making the changes for you just like a financial advisor does for one’s IRAs and other investments.
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Research shows that participants who get help may receive an average of 3.32% return or more
net of the fee.
See https://aon.mediaroom.com/news-releases?item=136959 for more information.
Want to find out how much you could potentially save?
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Try this calculator below to find out!
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Need more details? Contact us
We are here to assist. Contact us by phone, email or via our social media channels.
231 W Main St. Suite 102, Cherokee, IA, 51012 (712) 321-3272
For Insurance: FokkenFinancial@netins.net
For Investing: pmfokken@royalfundmanagement.com
Insurance product guarantees are subject to the claims-paying ability of the issuing company. The adviser is paid commissions on the sale of insurance products. Information presented is believed to be factual and up-to-date, but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All information is based on sources deemed to be reliable, but no warranty or guarantee is made as to its accuracy or completeness.
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Paul Fokken is an Investment Adviser Representative of Royal Fund Management, LLC, a SEC Registered Investment Adviser. 401(k) Maneuver is another business name for Royal Fund Management, LLC. The content contained herein is for informational purposes only and does not constitute a solicitation or offer to sell securities or investment advisory services. Investments are not FDIC-insured, nor are they deposits of or guaranteed by a bank or any other entity, so they may lose value. Past performance is not a guarantee of future results and clients should not assume that future performance will be comparable to past performance. For a copy of Royal Fund Management, LLC’s ADV Form 2A firm disclosure for review, please email or call to request a copy. This document contains detailed information about Royal Fund Management, LLC and the services provided.
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Full disclosure of advisory services for Royal Fund Management, LLC can be found at the following link: www.royalfundmanagement.com/disclosure/