Business Solutions
Group Insurance Benefits
New York, New Jersey and Connecticut business owners rave about our group insurance services! Our friendly, helpful and courteous staff will guide you through the confusion of the many insurance benefits that your employees want and need.
Our group specialists located at: www.healthplansny.com will work so closely with you and your staff that you will almost believe we are part of your human resources team!
We specialize in:
Group Health Insurance
Group Dental Insurance
Group Disability Insurance
Group Life Insurance
We enjoy working with firms of all sizes; from 2 to 100+ employees. We have over 35 years of combined experience helping business owners like you find affordable insurance solutions. Whether it is just a competitve quote you are looking for or would like an in depth review of your current plans, we can help. We work with every major insurance carrier in the industry and we are truely independent insurance advisors.
Click on this link to find the solutions to all your group insurance needs. www.healthplansny.com
Retirement Services:
401K's. Simple IRA's, Sep IRA's and Profit Sharing Plans
Click Here for our Quick Quote form
3 Quick Tips on Becoming a Great Retirement Plan Sponsor and how we can help!
*Tip # 1: In a recent survey by Morningstar, the average mutual fund over the last 10 years has returned 9.8%. However, the average mutual fund investor has earned only 3.2%.
The reason for this is simple: most investors chase returns and do not stay in a fund long enough to experience the gains. Last year’s “hot fund” will be this year’s “dog,” guaranteed. Most investors will look at their investment statements at year end and when unhappy with the results, they will follow last year’s big winner.
Here’s the tip, don’t chase returns.
Tip # 2: Employee Education is 90% of the game.
Most advisors that implement retirement plans are great at getting your plan started but after that, you could seldom see your advisor again. Quite frankly, this puts the burden of employee education on the employer's shoulders. The diffence between happy employees and those that are disatisfied with their retirement plan is not just their portfolio returns, it's ongoing investment education. Most advisors offer very little guidance in this vital area.
We will not only get your retirement plan started but we'll come back every six months to make sure your employees are getting the advice that you are paying for.
Tip # 3: Fees count
Take the typical 401k plan. The average management fee is over 1.50% and if you are in an insurance platform which is almost always a variable annuity, add another 1.50% for “mortality and expense fees.” That could be 3.00% coming out of your pocket!
Every dime of yours could disappear in fees in a flat or sideways market.
By the way, did you know you can negotiate fees? You can also get breaks on commissions. It's much simpler than you would think. We can show you how to get the phone numbers, contacts, and a few magic words to cut through the static.
Would you like to get more profit from your retirement plan? Would you like to have happier and more informed employees? We can help you make it happen.
We will spell out your options and help you find the right retirement plan that is low in fees and high in service. Most advisors can't -- and sometimes won't -- tell you.
The only risk is procrastination
Please don't put this off for another minute. With a few simple adjustments, you could be in a great 401k Plan.
Why settle for less?
- Why risk the second-rate…when your future, your employees’ future and your hopes ride on your Retirement plan?
- Why risk delay?
Call us now at 914-633-1717 or Request a Quote Here!
*Source: www.morningstar.com
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