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There are many places to go to establish and run your 401(k) plan. Why go to Contour Financial? Contour Financial has thrived over the years by meeting the retirement planning and investment management needs of our clients. Why have we thrived serving the individual market, while many of our competitors have faded away? The reason was simple, in that we gave fee-only, professional, individual, and on-going support.
When we decided that it was time to expand our business into different fields, we looked at markets in which our future competitors fell short in those key areas. It was quite obvious that 401(k) plan sponsors and their employees were not only being underserved, but often out right neglected. We had found where we wished to expand. Let us explore these points in detail:
1. Fee-Only - A common complaint consumers have with financial products have, is that they have no idea how much they cost. In response to this, the fee-only movement has grown dramatically. What does the term fee-only mean? It is simply defined as having all fees disclosed to the client before any investments are made. This may sound straight forward, but many firms do not operate as such, allowing them to layer high fees which are hidden from you. Contour Financial is fee-only, and is a member of the National Association of Personal Financial Advisors (NAPFA). To learn more, please reference Why NAPFA is Considered the Industry Standard.
2. Professional - Unlike a doctor, lawyer, or certified accountant, the barriers are very low for entering the financial field. After passing a simple test, one can call himself a financial planner, a financial advisor, or an investment advisor. Rest assured that you are in good hands, by clicking on the Who We Are link.
3. Individual - Normally a participant receives little help in portfolio construction. Often there are a few model portfolios for the participant to choose from, and that is all. We can offer complete retirement planning services, along with management of other investment assets. You have the option to be presented with a complete financial program.
4. Ongoing - You signed with the 401(k) provider, a flurry of activity, and then nothing. Years can go by before you hear from your 401(k) administrator. We promise to break the mold, and to quickly respond to any inquiries. We promise to stay in touch, and to fully provide you as plan sponsor, with the support you expect. We will help your employees setup their portfolios if desired, and they are welcome to call or stop by our office for any 401(k) questions that they may have.
We promise to take the extra step with your 401(k) needs.
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