Bell Capital Management Retirement Plan


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Bell Capital Management Retirement Plan

  1. 1. <ul><li>Bell Capital Management </li></ul><ul><li>Retirement Plan </li></ul>Presented by: Mr. Joe Advisor, CFP Advisor Wealth Management Date Company Name Corporate Officers Financial Advisor should customize this slide.
  2. 2. Who’s involved? Financial Advisor Financial Advisor should customize this slide with their logo.
  3. 3. Financial Advisor <ul><li>Responsibilities: </li></ul><ul><li>Market to new plan sponsors </li></ul><ul><li>Handle ongoing relationship with the company and employees </li></ul><ul><li>Annual participant enrollment meetings </li></ul><ul><li>Participant seminars and education </li></ul><ul><li>Background: </li></ul><ul><li>Founded ? </li></ul><ul><li>Expertise ? </li></ul>Financial Advisor should customize this slide with their information.
  4. 4. Bell Capital Management <ul><li>Background: </li></ul><ul><li>Founded in 1984 and located in Atlanta, Georgia </li></ul><ul><li>A fee-based Investment Adviser, registered with the SEC </li></ul><ul><li>3 member Investment Committee has worked together since 1987 </li></ul><ul><li>Provide investment management services for pension plans, profit sharing plans, foundations and individuals </li></ul><ul><li>Responsibilities: </li></ul><ul><li>Actively manage 6 asset allocation portfolios </li></ul><ul><li>Monitor individual mutual funds </li></ul><ul><li>Replace individual mutual funds if needed </li></ul><ul><li>Provide market commentary on a quarterly basis </li></ul>
  5. 5. Professional Capital Services <ul><li>Background: </li></ul><ul><li>Founded by tax and ERISA attorneys at Dilworth Paxon, LLP, a 70 year old Philadelphia based law firm </li></ul><ul><li>Senior management team has over 60 years of experience </li></ul><ul><li>PCS specializes in creating customized retirement plans </li></ul><ul><li>At PCS, our mission is to create a complete and sophisticated retirement solution, fully tailored to meet the needs of your company and participants, at a price below that of an ordinary bundled program. </li></ul>
  6. 6. Professional Capital Services <ul><li>Responsibilities: </li></ul><ul><li>Provide record keeping services </li></ul><ul><ul><li>Daily plan and account valuation </li></ul></ul><ul><ul><li>Daily processing and reconciliation of activity </li></ul></ul><ul><ul><li>Electronic payroll processing </li></ul></ul><ul><ul><li>Produce and mail quarterly statements to participant </li></ul></ul><ul><li>Provide TPA services </li></ul><ul><ul><li>Complete compliance testing </li></ul></ul><ul><ul><li>Signature ready 5500 (annual reports) </li></ul></ul><ul><ul><li>IRS tax reporting (Form 1099-R) </li></ul></ul><ul><ul><li>QDRO qualification and approval </li></ul></ul><ul><ul><li>Age 70 1 /2 determinations </li></ul></ul><ul><li>Maintain websites and toll free phone number </li></ul>
  7. 7. Fiserv ISS <ul><li>Background: </li></ul><ul><li>Headquartered in Denver, Colorado, </li></ul><ul><li>Fiserv ISS is a marketing name of Fiserv Trust Company, a wholly owned subsidiary of Fiserv, Inc. (Nasdaq: FISV). </li></ul><ul><li>Fiserv serves more than 15,000 clients worldwide. </li></ul><ul><li>  </li></ul><ul><li>Responsibilities: </li></ul><ul><li>Safe keep plan assets </li></ul><ul><li>Implement trades for Bell Capital Managed Portfolios and exchanges among individual mutual funds </li></ul><ul><li>Provide daily downloads to Professional Capital Services </li></ul>
  8. 8. Plan Features <ul><li>Highly flexible platform </li></ul><ul><ul><ul><li>Customizable to meet your specific needs </li></ul></ul></ul><ul><li>Wide variety of investment options </li></ul><ul><ul><ul><li>6 Professionally managed portfolios </li></ul></ul></ul><ul><ul><ul><li>12 to 25 Individual mutual funds </li></ul></ul></ul><ul><li>Access to specialized professionals </li></ul><ul><ul><ul><li>Financial Advisor </li></ul></ul></ul><ul><ul><ul><li>Bell Capital Management </li></ul></ul></ul><ul><ul><ul><li>Professional Capital Services </li></ul></ul></ul><ul><ul><ul><li>Fiserv ISS </li></ul></ul></ul><ul><ul><ul><li>Dilworth Paxon </li></ul></ul></ul>Financial Advisor should customize this slide with their information.
  9. 9. Plan Features <ul><li>Choice of Third Party Administrator (TPA) and Custodian </li></ul><ul><ul><ul><li>Can use a local TPA </li></ul></ul></ul><ul><ul><ul><li>Can use a custodian other than Fiserv </li></ul></ul></ul><ul><ul><ul><li>(Cost of the program will change if Professional Capital Services and/or </li></ul></ul></ul><ul><ul><ul><li>Fiserv ISS are not used.) </li></ul></ul></ul><ul><li>Access to information </li></ul><ul><ul><ul><li>Daily Valuation </li></ul></ul></ul><ul><ul><ul><li>Plan sponsor website </li></ul></ul></ul><ul><ul><ul><li>Employee website </li></ul></ul></ul><ul><ul><ul><li>Toll free phone number </li></ul></ul></ul>
  10. 10. Plan Sponsor Website <ul><li>Real-time access to participant account Data </li></ul><ul><ul><li>Graphical and tabular account balances by fund and source </li></ul></ul><ul><ul><li>Outstanding loan balances </li></ul></ul><ul><ul><li>Loan modeling </li></ul></ul><ul><li>Plan level information </li></ul><ul><ul><li>Total plan balance by fund </li></ul></ul><ul><ul><li>Total plan balance by source </li></ul></ul><ul><ul><li>Balances by location or status </li></ul></ul><ul><li>Reporting </li></ul><ul><ul><li>Average participant balances by age </li></ul></ul><ul><ul><li># of funds per participants </li></ul></ul><ul><ul><li>Fund utilization statistics </li></ul></ul><ul><ul><li>Outstanding loan balances </li></ul></ul><ul><ul><li>Delinquent loans </li></ul></ul>
  11. 11. Participant Website <ul><li>Interactive educational tools </li></ul><ul><li>Online plan summary </li></ul><ul><li>Comprehensive transactional services: </li></ul><ul><ul><li>Paperless enrollment services </li></ul></ul><ul><ul><li>Account balances with detailed investment views </li></ul></ul><ul><ul><li>Investment election changes </li></ul></ul><ul><ul><li>Fund transfers </li></ul></ul><ul><ul><li>Loan modeling/processing </li></ul></ul><ul><ul><li>Withdrawal processing </li></ul></ul><ul><li>Online statements </li></ul><ul><li>Fund information and performance </li></ul><ul><li>Transaction history </li></ul>
  12. 12. Participant Education <ul><li>Online statements available 24/7 </li></ul><ul><li>Online articles, calculators and retirement planning tools </li></ul><ul><li>Customized color enrollment booklets </li></ul><ul><li>Multi-media enrollment presentation </li></ul><ul><li>Participant call center </li></ul><ul><li>Updated investment information and fund performance </li></ul>
  13. 13. Additional Participant Access Voice Response Unit (VRU) Customer Service Representatives <ul><li>24 x 7 system </li></ul><ul><li>Account balances </li></ul><ul><li>Account transactions </li></ul><ul><li>Loan modeling </li></ul><ul><li>Withdrawal information </li></ul><ul><li>Opt out to customer service representative </li></ul><ul><li>Mutual fund prices </li></ul><ul><li>Fund performance </li></ul><ul><li>Participant service representatives available during business hours </li></ul><ul><li>Account inquiries </li></ul><ul><li>Technical assistance </li></ul>
  14. 14. Investment Options <ul><li>Bell Capital Managed Portfolios </li></ul><ul><li>6 Actively managed portfolios </li></ul><ul><li>Individual Mutual Funds </li></ul><ul><li>12 – 25 Individual mutual funds </li></ul><ul><ul><li>This number is flexible to allow for your specific needs </li></ul></ul><ul><ul><li>Bell Capital helps to choose & monitors these funds </li></ul></ul>
  15. 15. BCM Managed Portfolios FLEX Conservative Growth FLEX Moderate Growth FLEX Growth SELECT Bond SELECT 100 BEST CLASS Stock
  16. 16. FLEX Portfolios <ul><li>Diversified risk sensitive portfolios using tactical asset allocation </li></ul><ul><li>Seeks to protect against extended stock market declines while producing attractive results over a full market cycle </li></ul><ul><li>Invests in varying combinations of stocks, bonds and money market mutual funds depending on market conditions. </li></ul>Range of Stock Exposure
  17. 17. SELECT Portfolios <ul><li>Strategic approach to asset allocation </li></ul><ul><li>Always fully invested </li></ul><ul><li>These portfolios never hold cash </li></ul><ul><li>Bell Capital adds value by over and under weighting the different stock and bond asset classes, depending on market conditions </li></ul>SELECT Bond 100% Bond 100% Stock SELECT 100
  18. 18. BEST CLASS Stock Portfolio <ul><li>Performance driven portfolio </li></ul><ul><li>Fully invested in one stock market class at a time </li></ul><ul><li>Fully diversified within the specific stock asset class </li></ul><ul><li>Bell Capital determines the on-going selection of the specific stock market class and the mutual fund(s) used </li></ul>100% Stock BEST CLASS Stock
  19. 19. Individual Mutual Funds Universe investments Bell Capital’s Suggestions 12 – 25 funds chosen for each plan Bell Capital Management selects, monitors and replaces, if needed, the individual mutual funds available to participants.
  20. 20. Plan Fees Plan Expense .98% <ul><li>Annual expense is billed quarterly in arrears </li></ul><ul><li>Based on quarter ending market value of the plan </li></ul><ul><li>Expense can be deducted from plan assets or paid by the company directly </li></ul>
  21. 21. Plan Fees Professional Capital Services * Third Party Administration (TPA) $1,500 Record Keeping Fees .25% * Fees may vary depending on plan size. One time installation or other charges may also be accessed. Fiserv ISS Custodial Fees .07% Note: All trail revenue ( 12(b)1, SubTA fees, etc. ) from the mutual funds will be used to offset all of the plan fees. If the total fees are higher than the offsetting amount, the plan will be charged the difference.
  22. 22. Plan Fees BCM Managed Portfolios < $500,000 .50% $500,000 - $1,000,000 .40% $1,000,000 - $3,000,000 .30% $3,000,000 - $5,000,000 .25% Over $5,000,000 .20% <ul><li>Annual fees are billed quarterly, based on quarter ending market value of all BCM managed portfolios </li></ul><ul><li>Management fee can be deducted from plan assets or paid by the company directly </li></ul><ul><li>BCM suggests that each participant’s account be charged for their prorated portion of the investment management fee </li></ul>
  23. 23. Installation Services <ul><li>Dedicated implementation specialist from PCS </li></ul><ul><li>Minimize service disruption </li></ul><ul><li>Efficient four-step process: </li></ul><ul><ul><li>Employer commitment, document collection and planning </li></ul></ul><ul><ul><li>Employee enrollment meetings conducted & payroll procedures established </li></ul></ul><ul><ul><li>Preparation of plan documents </li></ul></ul><ul><ul><li>Plan set-up and transition of existing assets </li></ul></ul>
  24. 24. Summary <ul><li>Thorough, flexible and professional investment services </li></ul><ul><li>Automated processing environment allows plan sponsors to spend less time administering their plan, and more time managing their business </li></ul><ul><li>Bell Capital Management Retirement Plan provides plan sponsors and participants with a high level of customer service </li></ul><ul><li>Efficient and seamless transition process </li></ul>
  25. 25. Next Steps <ul><li>Plan set-up meeting </li></ul><ul><li>Populate, review and sign all plan documentation </li></ul><ul><li>Set employee enrollment meeting dates </li></ul><ul><li>Enjoy the benefits of the Bell Capital Management Retirement Plan </li></ul>
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