Get Your Free Retirement Plan Check-Up Today!
Why a Retirement Plan Check-Up Matters
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Even if you already have a retirement plan in place, it’s important to make sure it’s still the best fit for your business and employees. Over time, plan fees, performance, and regulations can change—leaving you with unnecessary costs or compliance risks.
A free retirement plan check-up helps you:
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Uncover hidden fees that reduce your employees’ savings and your bottom line
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Identify missed tax advantages that could improve your company’s financial position
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Ensure compliance with California’s new retirement plan requirements before the 2025 deadline
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Benchmark your plan against other options to see if you can get more value and flexibility
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Think of it as a financial wellness exam for your business—quick, no cost, and designed to protect your long-term interests.
We Make it Easy with Flexible Services
Customized Approach
We realize every plan is unique, just like every client is unique. From installation to ongoing daily assistance, we keep our clients and their particular service needs front of mind. Our goal is to make their plan as easy and successful as possible.
Participant Website and Resources
Our website gives plan participants the ability to see their retirement path ranging from how their investments have performed to estimating how much they will have at retirement. Their benefit statements, fee disclosure documents and quarterly newsletters.
Diversified Investment Platform
A wide array of investment options from nationally prominent fund managers creates a quality investment platform that appeals to all
types of investors. It features:
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A full range of asset classes that includes domestic and international stock funds, bond funds, real estate and asset allocation funds.
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Index lineup for a market-diversified, low-cost approach to investing.
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Socially responsible funds.
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Guaranteed Investment Account* for stability without market volatility.
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Target Date Funds from nationally-known fund managers that automatically rebalance and adjust as the investor gets closer to retirement.
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*Guarantee is based on claims-paying ability of the issuing company.
Enrollment Support
Support is available to help plan participants better understand this important benefit and encourage greater plan participation. It includes initial enrollment communication and education,
along with on-going enrollment and re-enrollment
resources.
Easy Enrollment
We offer online enrollment through SmartPlan, which is an interactive video-based platform that delivers relevant, bite-sized modules of information that employees can access when and where it works best for them. At any point during the
process, they can learn more with engaging videos that access timely topics such as plan specific provisions, how much to save and asset allocation.
Plan Design and Document Solutions Support
Plan sponsors have the flexibility to use a Third-Party Administrator (TPA) or a bundled strategy. A TPA can help guide them through the plan design process. If they use a full bundled strategy, then their plan documents will be reviewed to ensure they are up-to- date, meet stated objectives and comply with regulatory standards of both the Internal Revenue Service (IRS) and Department of Labor (DOL). In addition, our team works with plan sponsors on a plan design consultation to try to develop the best plan design.
Compliance Support:
The IRS and DOL require certain non-discrimination and compliance testing to be completed each year as well as forms to be filed about the plan. Plan sponsors may work with a TPA or use a bundled option. Our team works closely with plan sponsors and educates them about the importance of regulatory requirements.
Built on Trust. Focused on Your Future
Nicholas Winn is a seasoned insurance and financial broker with over 20 years of experience at Orr & Associates, where he specializes in comprehensive business insurance solutions. In partnership with GFI, he also offers life insurance and retirement savings plans that help individuals, families, and business owners build lasting financial security and long-term wealth.
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Nicholas works closely with employers to review existing retirement plans or design new ones that deliver enhanced employee benefits, valuable tax advantages, and full compliance with state requirements—ensuring companies stay protected and competitive while maximizing savings opportunities.
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Beyond serving business clients, Nicholas helps baby boomers safeguard their retirement funds by rolling their savings into financial products designed to protect against market volatility. His strategies focus on creating stability, security, and peace of mind throughout retirement.
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He also assists younger individuals and families in building generational wealth through customized life insurance solutions that not only provide financial protection but also offer tax-efficient growth.
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With a commitment to education, transparency, and personalized service, Nicholas is passionate about helping clients take control of their financial future—no matter their stage of life.
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Ready to secure your financial future?
Contact Nicholas today to review your current plan, explore new retirement options, or discover tax-smart strategies to protect and grow your wealth.
Nicholas Winn, CISC, CRIS | License 0F34531
Orr & Associates Insurance Services
P: 619-269-2373
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