Download - Bell Capital Management Retirement Plan
Bell Capital Management Retirement Plan
Presented by:
Mr. Joe Advisor, CFP
Advisor Wealth Management
Date
Company NameCorporate Officers
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Who’s involved?
Financial Advisor
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Financial Advisor
Responsibilities:Market to new plan sponsorsHandle ongoing relationship with the company and
employeesAnnual participant enrollment meetingsParticipant seminars and education
Background:Founded ?Expertise ?
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Bell Capital ManagementBackground:Founded in 1984 and located in Atlanta, GeorgiaA fee-based Investment Adviser, registered with
the SEC3 member Investment Committee has worked
together since 1987Provide investment management services for
pension plans, profit sharing plans, foundations and individuals
Responsibilities:Actively manage 6 asset allocation
portfoliosMonitor individual mutual funds Replace individual mutual funds if neededProvide market commentary on a quarterly
basis
Professional Capital Services
Background:Founded by tax and ERISA attorneys at Dilworth
Paxon, LLP, a 70 year old Philadelphia based law firm
Senior management team has over 60 years of experience
PCS specializes in creating customized retirement plans
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.
Professional Capital Services
Responsibilities:Provide record keeping services
Daily plan and account valuation
Daily processing and reconciliation of activity
Electronic payroll processing
Produce and mail quarterly statements to participantProvide TPA services
Complete compliance testing Signature ready 5500 (annual reports)
IRS tax reporting (Form 1099-R) QDRO qualification and approval Age 70 1/2 determinations
Maintain websites and toll free phone number
Fiserv ISSBackground:Headquartered in Denver, Colorado, Fiserv ISS is a marketing name of Fiserv Trust
Company, a wholly owned subsidiary of Fiserv, Inc. (Nasdaq: FISV).
Fiserv serves more than 15,000 clients worldwide.
Responsibilities:Safe keep plan assetsImplement trades for Bell Capital Managed
Portfolios and exchanges among individual mutual funds
Provide daily downloads to Professional Capital Services
Plan Features
Highly flexible platformCustomizable to meet your specific
needs
Wide variety of investment options6 Professionally managed portfolios12 to 25 Individual mutual funds
Access to specialized professionalsFinancial AdvisorBell Capital ManagementProfessional Capital Services Fiserv ISSDilworth Paxon
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Plan Features
Choice of Third Party Administrator (TPA) and Custodian
Can use a local TPA Can use a custodian other than Fiserv(Cost of the program will change if Professional Capital Services
and/or Fiserv ISS are not used.)
Access to information
Daily ValuationPlan sponsor website Employee website Toll free phone number
Plan Sponsor WebsiteReal-time access to participant account Data
Graphical and tabular account balances by fund and source Outstanding loan balances Loan modeling
Plan level information Total plan balance by fund Total plan balance by source Balances by location or status
Reporting Average participant balances
by age # of funds per participants Fund utilization statistics Outstanding loan balances Delinquent loans
Participant WebsiteInteractive educational toolsOnline plan summary Comprehensive transactional services:
Paperless enrollment services Account balances with detailed
investment views Investment election changes Fund transfers Loan modeling/processing Withdrawal processing
Online statementsFund information and
performanceTransaction history
Participant Education
Online statements available 24/7
Online articles, calculators and retirement planning tools
Customized color enrollment booklets
Multi-media enrollment presentation
Participant call center Updated investment
information and fund performance
Additional Participant Access
Voice Response Unit (VRU) Customer Service Representatives24 x 7 system
Account balancesAccount transactionsLoan modelingWithdrawal
informationOpt out to customer
service representativeMutual fund pricesFund performance
Participant service representatives available during business hours
Account inquiriesTechnical assistance
Bell Capital Managed Portfolios6 Actively managed portfolios
Individual Mutual Funds12 – 25 Individual mutual funds
This number is flexible to allow for your specific needs
Bell Capital helps to choose & monitors these funds
Investment Options
BCM Managed Portfolios
FLEX Conservative GrowthFLEX Moderate GrowthFLEX GrowthSELECT BondSELECT 100BEST CLASS Stock
FLEX PortfoliosDiversified risk sensitive portfolios using tactical
asset allocationSeeks to protect against extended stock market
declines while producing attractive results over a full market cycle
Invests in varying combinations of stocks, bonds and money market mutual funds depending on market conditions.
10%20% 30%
50%
100% 100%
40%
65%85%
0%20%40%60%80%100%
FLEX ConservativeGrowth
FLEX ModerateGrowth FLEX Growth
Min
Max
Avg
Range of Stock Exposure
SELECT Portfolios
Strategic approach to asset allocationAlways fully investedThese portfolios never hold cashBell Capital adds value by over and under
weighting the different stock and bond asset classes, depending on market conditions
SELECT Bond
100% Bond 100% Stock
SELECT 100
BEST CLASS Stock Portfolio
Performance driven portfolioFully invested in one stock market class at a
time Fully diversified within the specific stock asset
classBell Capital determines the on-going selection
of the specific stock market class and the mutual fund(s) used
100% Stock
BEST CLASS Stock
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.
Plan Expense .98%
Plan Fees
Annual expense is billed quarterly in arrearsBased on quarter ending market value of the
planExpense can be deducted from plan assets
or paid by the company directly
Professional Capital Services*
Third Party Administration (TPA) $1,500Record Keeping Fees
.25%* Fees may vary depending on plan size. One time installation or other charges may also be accessed.
Plan Fees
Fiserv ISSCustodial 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.
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%
Annual fees are billed quarterly, based on quarter ending market value of all BCM managed portfolios
Management fee can be deducted from plan assets or paid by the company directly
BCM suggests that each participant’s account be charged for their prorated portion of the investment management fee
Installation Services
Dedicated implementation specialist from PCS
Minimize service disruption
Efficient four-step process:1. Employer commitment, document collection and
planning2. Employee enrollment meetings conducted & payroll
procedures established 3. Preparation of plan documents4. Plan set-up and transition of existing assets
Summary
Thorough, flexible and professional investment services
Automated processing environment allows plan sponsors to spend less time administering their plan, and more time managing their business
Bell Capital Management Retirement Plan provides plan sponsors and participants with a high level of customer service
Efficient and seamless transition process
Next Steps
Plan set-up meetingPopulate, review and sign all plan
documentationSet employee enrollment meeting datesEnjoy the benefits of the Bell Capital
Management Retirement Plan