Excel Financial 

CONNECT

Address:

919 Vermillion St. Suite 110
Hastings, MN 55033

Phone:

651-388-6441 or 888-688-6441

Fax/Other:

651-319-9430

Our Services - Businesses

Retirement Plans

For years, the retirement plan was seen as a "throw-in" to a benefit package by many employers - one among many benefits, but nothing special.  Today, this benefit is seen by employees as a critical part of their overall compensation and benefit package.  According to a national survey of employers and employees regarding their benefit programs, a company sponsored retirement program ranked second only to health insurance, with 74% of responding employees indicating that it was "very significant" in its importance.

Unfortunately, the packaged retirement programs offered by insurance companies and many financial product vendors, and implemented by many employers, have failed to meet the needs of both the employers and employees, due primarily to poor overall support, poor investment management, and high costs. 

The impact of these failings can be significant.  For employees, it can mean that their retirement savings don't grow as they should and in many cases are subject to inappropriate risks that can leave them short of funds as they approach retirement.  For employers, it can mean increased risk to both the company and the personal assets of the plan's fiduciaries, increased plan administration burdens, and a missed opportunity to create a truly superior and unique program that benefits the company in terms of improved employee morale, confidence, and peace of mind, and provides a real differentiator  when it comes to placing and retaining key staff members.

At Excel Financial, we work with our business clients to define, implement, and manage retirement plan program(s) specifically designed to meet their needs and objectives and those of their plan participants.  We work with our clients, not as a third party sales representative, but as a co-fiducairy advisor and team member providing the information and insight to make prudent selections and the tools and support to implement and operate an effective retirement plan program. 

In delivering and supporting our plans, we focus on the factors that truly make a difference for the employer and employees:

  • Helping particpants understand, take advantage of their plan, and plan for their futures
  • Eliminating unnecessary cost
  • Enhancing investment performance
  • Managing liability
  • Providing excellent participant and sponsor support
  • Simplifying plan administration

Our approach is focused on delivering the finest plan at the lowest cost, resulting in a superior value for the sponsor and a true benefit for participants. 

If you have questions about retirement plans, give us a call. If you have a packaged plan today,  ask yourself, "Are we getting the most from our retirement program?"  If the answer is "no" or " I am not sure," give us a call and let us show you a better program.

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Check the background of this financial professional on FINRA's BrokerCheck