Intelligent Plan Management Since 1995

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Welcome to VisionPoint from Mike Romig, AIF®

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…if your employees were more engaged, more financially well; living within their paychecks, dealing effectively with consumer debt, and being on track to retire successfully? It’s not a fantasy.

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…to help you pursue improved profitability by working toward optimizing your company’s 401(k) plan. Our aim is to improve recruiting, increase retention and empower your employees to retire successfully.

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transform your 401(k) plan.” font_container=”tag:h2|text_align:left|color:%23000000″ google_fonts=”font_family:Lato%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C700%2C700italic%2C900%2C900italic|font_style:300%20light%20regular%3A300%3Anormal”][vc_raw_html]JTVCd3Bmb3JtcyUyMGlkJTNEJTIyMTYyMyUyMiUyMHRpdGxlJTNEJTIyZmFsc2UlMjIlMjBkZXNjcmlwdGlvbiUzRCUyMmZhbHNlJTIyJTVE[/vc_raw_html][/vc_column][vc_column width=”1/6″][/vc_column][/vc_row][vc_row full_width=”stretch_row_content_no_spaces”][vc_column width=”1/6″ css=”.vc_custom_1511019593011{margin-right: 30px !important;margin-left: 30px !important;}”][/vc_column][vc_column width=”2/3″][vc_empty_space height=”20px”][vc_custom_heading text=”Welcome to VisionPoint Advisory Services” font_container=”tag:h2|text_align:center” google_fonts=”font_family:Lato%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal”][vc_column_text css=”.vc_custom_1511444462084{border-radius: 10px !important;}”]

I want to talk about the “why” of this firm and what we intend to bring to the marketplace. I think it best to first talk about where we are today…as employees, as employers, as Americans!

For several years now it has been apparent to me and to my peers who also advise 401k plans that almost all plan participants we encounter are not saving enough to retire at the time and income level they would like to.

Further, many financial commentators have brought attention to the fact that 70% of Americans live paycheck to paycheck. The average American sends 24% of their income to visa/master card each month. 2/3 of Americans cannot come up with $1,000 for an emergency without borrowing. All of which results in the typical benefit from a 401k plan to be about $400 per month…certainly not enough to have any kind of meaningful retirement

So how are employees reacting to this? Financial stress is making employees significantly disengaged in their jobs. Employees are changing jobs more frequently, thinking earning more is the solution to future financial stability. Employees are staying in their jobs longer, increasing insurance and other costs while decreasing overall productivity. All of this in arguably the richest country in the world.

At the same time 401k plans are offered by most employers of any size. And yet we see these companies installing these plans…

Because they think they need to n order to keep up with the competition…without ever really knowing what the competition is doing…without ever having a discussion – much less defining an intended result about when they would like their employees to retire…

And we can see from virtually any 5500 – the form plans file with the department of labor each year that companies are making

Whether the total of these expenditures is $80,000 or $8,000,000 …it is a lot of money to that company…and yet almost always there is no conversation as to how this spend is going to impact profitability! At the risk of sounding harsh, I think this is crazy!!

Tune into our next podcast and we will start to layout our approach to these challenges.

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The labor market is getting tight. Hiring is becoming challenging. Wouldn’t now be a good time to optimize your 401(k) for recruitment?

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Do you know what 401(k) benefits your competitors are offering their employees? We’ve got the people, the answers, the tools.

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Do you really want to be responsible
for every investment decision
your employees make?

[/vc_column_text][vc_btn title=”Learn More” color=”sky” size=”lg” align=”center” css_animation=”fadeIn” link=”|title:The%20401(k)%20Why||”][/vc_column][/vc_row][vc_row][vc_column width=”1/4″][/vc_column][vc_column width=”1/4″][vc_custom_heading text=”Get the “401(k) Why?“ book FREE”][vc_column_text]We wrote the book on 401(k) plans and we want you to have a copy. We designed the Transform401(k) process around the challenges you, your company and your employees face today. Our goal is to align your plan’s features with your intended results and give your employees the information they really need to make informed choices about their retirement. Just fill out the form above, email us or call us and we’ll get your copy out today.[/vc_column_text][/vc_column][vc_column width=”1/4″][vc_column_text]401(k) Why by Mike Romig[/vc_column_text][/vc_column][vc_column width=”1/4″][vc_custom_heading text=”Get your FREE
copy of the
401(k) book!” font_container=”tag:h2|text_align:left|color:%23000000″ google_fonts=”font_family:Lato%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C700%2C700italic%2C900%2C900italic|font_style:300%20light%20regular%3A300%3Anormal”][vc_raw_html]JTVCd3Bmb3JtcyUyMGlkJTNEJTIyMTYyMiUyMiUyMHRpdGxlJTNEJTIyZmFsc2UlMjIlMjBkZXNjcmlwdGlvbiUzRCUyMmZhbHNlJTIyJTVE[/vc_raw_html][/vc_column][/vc_row][vc_row full_width=”stretch_row_content_no_spaces” gap=”10″ disable_element=”yes”][vc_column width=”1/3″ css=”.vc_custom_1478009539370{padding-top: 15px !important;background-color: #f4f4f4 !important;border-radius: 5px !important;}”][vc_column_text]

How many of your employees are
on track to retire when and
where they want? Take a minute.

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Do you really want to be responsible
for every investment decision
your employees make? No.

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For most plan managers, 401(k) and
peace of mind don’t belong in the
same sentence. We know they can.

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Our mission is to help you make more money by making your 401(k) plan the best plan possible for your business.

We believe a well designed and managed 401(k) plan offers employers a great opportunity to make a difference in their employees’ financial futures and impact their company’s profitability at the same time. We believe the two go hand in hand. The key ingredients we strive to bring are

We welcome the opportunity to have a no obligation conversation with you. Please fill out the form to the right and we’ll get back to you shortly. Or call our office at 469-941-6059.

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