Most business owners want to provide opportunities for their employees as well as themselves to prepare for retirement through a company-sponsored retirement plan. Some business owners want to contribute toward their employee’s retirement, but too often these desires fall to the bottom of the business owner’s list as the more immediate needs of running a successful organization command their attention.
At Tradewinds Capital Management we are qualified to come along side a business owner and explore the options in order to choose the right company-sponsored retirement plan structure for the goals of the business, the owners and the employees.
Once we have determined the proper company-sponsored retirement plan structure and design for a company, we will take a leading role in the implementation, operation, maintenance and compliance of the plan. Our goal is to relieve much of the time commitment of implementation, operation and compliance of a retirement plan from the business owners.
When the proper company-sponsored retirement plan is in place, we then educate employees on how they can best utilize the benefit their employer has created. We treat each eligible employee as a valued client, giving them access to our full range of services, including planning for their own retirement by a qualified Certified Financial Planner® (CFP®) working in a fiduciary environment. By assisting employees in the proper management of their investment choices, we remove one of the biggest problems with how participants interact with their company-sponsored retirement plan. If the participant desires we will continually help them in the investment selection, management and monitoring of their retirement assets.
Since Tradewinds Capital Management is an independent Registered Investment Advisory Firm, and not a brokerage that works on a commission basis, we work with the participants of a company-sponsored retirement plan on a fiduciary basis. This fiduciary status allows us to advise participants without the conflicts of interests that may be present within a traditional brokerage relationship. This status also assists the business owner in complying with their fiduciary responsibilities in accordance to Employee Retirement Income Security Act (ERISA) rules.