At The Ridgewood Group, we believe that companies and their employees need intelligent investment solutions just as much as our other clients.  This is especially so in an era of defined contribution plans that place the onus on employees to save for their own retirements.  To do so, however,  employees and officers need access to plans that combine the best available investment options to achieve long-term compounding of their investment assets while still offering safety.

There are thousands of companies and advisors providing a variety of 401k, profit sharing, and deferred compensation plan options to companies of all sizes.  Unfortunately, most of the plans sold to companies (even by recognized firms) are full of mediocre options selected for all the wrong reasons.  This can happen because many plan providers view these plans as a way to lock-in a long-term customer base for their own investment options instead of an opportunity to serve clients utilizing the best choices in the marketplace regardless of investment provider.  Alternatively, plans may offer a number of options, but without sufficient consideration of underlying investment quality or cost to the participants.

In our experience, most options widely available today are not optimal for a variety of reasons.  These reasons include:

  • Lack of the highest quality investment options in the current plan
  • Overly limited number of investment options in the plan
  • Limited or no availability of advice related to plan options
  • High costs to both company and employees

Recognizing that qualified plans (like 401k and profit sharing plans) are often the primary retirement savings vehicle for many Americans, The Ridgewood Group has designed plan options that address the above issues.  We can offer several extremely attractive and often lower cost options for Companies wishing to establish new plans or upgrade the quality of their existing plans.

In each case, we designed the plans the way we would want them to be if we were a diligent and informed end user.  Our plans include a choice of only the highest quality investment solutions available - those options that we consider superior from a quality, safety and cost perspective.  Our plans feature options that are managed consistent with intelligent investing principles and feature a number of choices with a value orientation.  These options are selected from a variety of fund companies based primarily on the quality of the manager's experience, thinking, track record, and approach to investing.  While we tailor our plans to meet the specific needs of our clients, each of our plans includes:

  • A variety of the highest quality yet low-cost funds available
  • Extremely low cost index and ETF options
  • Self-directed discount brokerage option (if desired)

In addition, we can provide seminars and individual advice to each plan participant to help them maximize their own benefits from participation.  Our plans are designed with only one objective in mind, the long-term best interest of our client's employees. 

For more information on our qualified plan solutions for companies, please call 973-544-6970 or contact us for more information.