The McCulley 401(k): Employer & Employee Support One Plan. Built to Work for Everyone.
A retirement plan has two important audiences.
Employers need a plan that is thoughtfully structured, responsibly managed, and practical to oversee.
Employees need a benefit they can understand, engage with, and use to make more informed decisions about their financial future.
McCulley Financial supports both sides—helping employers manage the responsibilities behind the plan while helping employees make more of the benefit you’ve created for them.
For Employers
- Plan Design & Review
- Provider & Fee Benchmarking
- RFP & Provider Search
- Investment Oversight
- Fiduciary Support
- Ongoing Review
FOR EMPLOYEES
- Enrollment & Onboarding
- Financial Education
- Investment Education
- Personalized Support
- On-Demand Education
- Retirement Readiness
Greater Clarity. Stronger Oversight. A Better Process.
Managing a retirement plan involves ongoing decisions around plan design, providers, fees, investments, compliance, and fiduciary responsibilities.
We help bring structure and discipline to those responsibilities so your leadership team has a clearer process for overseeing the plan.
Plan Design & Review
Evaluate how your plan is structured, how well it supports your objectives, and where opportunities for improvement may exist.
Regular reviews help keep the plan aligned with your business, workforce, and goals as they evolve.
Provider & Fee Benchmarking
Understand what you’re paying and what you’re receiving in return.
We evaluate plan providers, services, fees, and investment offerings to help you understand how your current arrangement compares and whether changes should be considered.
RFP & Provider Search
When it’s time to evaluate providers, we help manage the process.
We compare fees, services, technology, investments, and participant support so you can make a more informed decision about the right fit for your organization.
If you decide to make a change, we can also help coordinate the transition.
Investment Oversight
Establish a disciplined process for selecting, evaluating, and monitoring the investments available within your plan.
Our review process considers quantitative and qualitative measures and independent research to provide a consistent framework for evaluating investments over time.
Know what you offer. Understand why you offer it. Maintain a process for reviewing it.
Fiduciary Support
Serving as a plan sponsor comes with responsibilities that shouldn’t be left to chance.
We help establish and maintain an organized process designed to support your fiduciary responsibilities and ongoing plan oversight.
Depending on your plan and services, this may include:
- — Investment Policy Statement
- — Compliance Checklist
- — Fiduciary file organization
- — Investment monitoring
- — Fiduciary Plan Review
- — Fee and service reviews
- — Required disclosures and notices
- — Plan governance support
Help Your People Make More of the Benefit You Provide.
A well-designed retirement plan only creates value when employees understand it and engage with it.
We help employees navigate the retirement-plan experience—from joining the plan and understanding their investment choices to making decisions as they move closer to retirement.
Enrollment & Onboarding
Help employees understand the plan from the beginning.
Pre-enrollment communication, group enrollment meetings, and individual support can help employees understand how the plan works, the decisions in front of them, and how to get started.
Financial & Investment Education
Help employees better understand the financial decisions they face throughout their retirement journey.
Education may address topics such as:
- — Plan basics and getting started
- — Building retirement savings and increasing contributions
- — Market volatility and staying invested
- — Preparing for retirement
- — Social Security and retirement income considerations
- — Contributions and company matching
- — Investment choices and asset allocation
- — Plan loans and withdrawals
- — Turning retirement savings into retirement income
The goal isn’t simply to provide more information.
It’s to help employees make more informed decisions—from their first contribution through retirement.
Personalized Support
Not every employee needs the same information at the same time.
Where appropriate, group and individual conversations give participants opportunities to ask questions and receive support relevant to their stage of life and retirement journey.
Support may also be available in multiple languages to make plan information more accessible across your workforce.
On-Demand Education
Employees can continue learning beyond scheduled meetings through educational resources available when they need them.
This allows participants to revisit important topics as their questions and financial circumstances change.
Retirement Readiness
Help employees better understand where they’re heading.
Our retirement-readiness process can help participants compare their current trajectory with their retirement objectives, identify potential gaps, and better understand decisions they may want to consider along the way.
Better oversight for you. A better experience for your people.
The strongest retirement plans work well on both sides.
Employers need confidence in the process behind the plan.
Employees need the clarity and support to understand the benefit and make informed decisions about their future.
The McCulley 401(k) brings those two sides together.
Better oversight for your business. Better support for your people.