We believe that plan sponsors will get the most out of a 401(k) package that offers world-class education and support for participants.

A UNIQUE APPROACH TO EDUCATING EMPLOYEES ABOUT HOW THEIR RETIREMENT SAVING PLAN WORKS.

Sapling Wealth Management’s 401(k) U is a unique approach to educating employees about how their retirement saving plan works and the options available to them.

Short, animated videos explain the terminology, key players, benefits, and options available in 401(k) plans. This allows employees to learn about their 401(k) benefit at their own pace and on their own time.

401(k) U gives employees the confidence to utilize their 401(k) benefit and the reassurance that they can reach out to Sapling Wealth Management directly for financial advice.

OUR SERVICE PACKAGES MAY ALSO INCLUDE:

RISK ASSESSMENT

DISCOVER YOUR PERSONAL INVESTMENT RISK TOLERANCE TO FIND AN IDEAL PORTFOLIO OUTCOME.

Some individuals prefer the calculated risks involved with an aggressive portfolio, while others are more comfortable with a steady portfolio even if it could build less retirement wealth.

Sapling Wealth Management’s risk assessment tool is a short, self-guided online questionnaire that determines the right balance of investments for each person’s 401(k) portfolio.

TIMELY TOPICS: QUARTERLY EMAIL

WE BELIEVE FREQUENT TOUCH POINTS HELP KEEP PARTICIPANTS INFORMED.

Once a quarter, Sapling Wealth Management will reach out with our take on a current event, share a practical tip, or provide a financial insight that we think is of value.

MYBLOCKS

INTERACTIVE ONLINE TOOLS TO HELP EMPLOYEES REACH THEIR FINANCIAL GOALS.

“MyBlocks,” is a collection of interactive online tools available through Sapling Wealth Management’s subscription to Evestnet MoneyGuide.

By inputting your actual financial goals, these tools can help you plan for things like vacations, refinancing your home, and reducing credit card debt.

FINANCIAL NEWS: WEEKLY EMAIL

PREMIUM, AD-FREE CONTENT FROM THE WORLD’S LEADING FINANCIAL NEWS SOURCES.

Sapling Wealth Management’s news streaming service provides personalized, financial news content to our clients that is otherwise only available through subscriptions from the world’s leading financial news sources.

Once a week, participants will receive a newsletter from Sapling Wealth Management containing curated premium, ad-free content that we feel participants might find interesting.

This content library includes the latest articles from Business Insider, Forbes, Harvard Business Review, Barron’s, The Wall Street Journal, and many others.

TWO OPTIONS

YOU DECIDE WHAT'S RIGHT FOR YOU & YOUR EMPLOYEES

Standard:

Includes 401(K) U, Risk Assessment Tool, Quarterly Timely Topics Email and 3(21) investment adviser services. Fees for this service start at 0.50% of Assets Under Management (AUM) and may include a start-up fee.

Premium:

Includes all Standard tools plus Blocks, Weekly Financial News Email, after-hours participant support, and 3(38) investment adviser services. Fees for this service start at 0.75% of AUM and may include a start-up fee.

READY TO BUILD YOUR BUSINESS WITH A 401(K) BENEFITS PACKAGE?

PLEASE SCHEDULE A MEETING TO GET STARTED, OR CALL (206) 281-4055.

What is the difference between a 3(21) and 3(38) adviser?

Essentially, the difference between a 3(21) and a 3(38) advisor is the difference between “help me” and “do it for me.” 

A 3(21) adviser is for plan sponsors that are comfortable sharing investment fiduciary responsibility and liability with the adviser. While the adviser makes investment line-up recommendations from its research, the plan sponsor is ultimately responsible for the final selection and making all line-up changes. This level of service is included with the standard service package.

A 3(38) adviser is for plan sponsors that don’t have the time or want to be responsible for the plan’s investments and shifts the responsibility (and liability) for these decisions and management to the investment adviser. This level of service is included with the premium service package.

Whether acting as a 3(21) or a 3(38) advisor, Sapling Wealth Management acts as a fiduciary for its clients.

Employees have no additional charge for these services as they are included in the comprehensive support I provide to their 401(k) plan.