Plan Sponsor
Why should you choose LifeSync? What’s in it for you and your employees?
You care about your employees and want to provide them with the best possible 401k plan at a highly affordable price to you. Maul Capital understands the needs of employers and employees when it comes to 401k plans.
As an employer, you’ve already put considerable time and effort into selecting your plan sponsor, your plan administrator, the mix of funds you offer, and the educational materials you provide your employees. The last you want to do is waste all of that effort and start over.
LifeSync works with your current plan sponsor and plan administrator, and you don’t have to change the funds you offer to your 401k participants. We’re not asking you to make any changes in these areas.
We understand that as an employer you need simplicity, predictability, low cost, and the certainty that you are providing your employees with the best possible suite of investment options. You also want to avoid the frustration that typically accompany the provision of 401k plans and LifeSync removes that frustration.
Your employees need solid investment knowledge, proper diversification in their portfolios, and the guidance that will help them avoid “chasing returns.” What’s the point of offering your employees a 401k plan if they aren’t given the guidance about how to maximize its usefulness, and if their plans are ignored and left to stagnate, while the plan provider chases more and more wealthy clients instead of paying attention to the clients they have already committed to serve?
LifeSync makes for your employees the critically important choices of which investment vehicles to use; how much to invest in each; and when to make changes. We provide the Maul Capital Investor Questionnaire to help employees ascertain their goals, time-frame, and risk tolerance. Based on the sample model asset allocations we develop, LifeSync then makes the selections of the funds for clients. We work with the existing menu of fund choices provided by your current Plan Sponsor/Plan Administrator.
We enter fund orders on behalf of your employees; monitor the fund selection; and make changes in the funds and the allocation among them as we deem necessary in response to changes in market condition. We offer a proactive, hands-on approach that sets us apart, using both fundamental analysis (what to buy) and technical analysis (when to buy and when to sell) to guide our investment strategies for each client.
The 401k plan options the big name national companies offer may not meet your needs as an employer or the needs of your employees. Many of them do not provide adequate information to employees about how to enroll, what choices to make, and how to stay on top of their portfolios. As a result, your HR and benefits people may waste substantial amounts of time dealing with issues for which the 401k plan provider should take responsibility.
Our investment participants receive the investment knowledge they need. We help them gain proper diversification for their portfolios: We make sure they are invested in the right funds, given their age, and risk tolerance. We stay on top of their portfolios with the same intensity and dedication that some national firms may devote only to their wealthiest clientele.
We avoid the typical, generic, “vanilla” investment advice that some 401k plans offer their participants. LifeSync participants learn specifics about their plan, about their investment choices, and about what they can reasonably expect. This takes much of the burden off of you and places it where it belongs—on our shoulders!
It gets even better. Our analysts study the market regularly and periodically adapt our recommendations to changing market conditions, instead of using a “set and forget” model.
In short, you come out ahead with LifeSync and so do your employees.
