Our 401(k) plan offers many key advantages over traditional mutual funds:

• Clear, transparent fees that are typically lower than most mutual fund fees.
• No 12b-1 fees or plan exit fees.
• Our investment advisors will assist each plan participant in selecting the correct investment model, ensuring each participant’s financial objectives are met.
• The use of simple exchange traded fund models lead to greater participant satisfaction.
• Participants will have online access to view their individual accounts.
• The plan sponsor can use an existing third party administrator or we can assist the sponsor in finding a new TPA.

Why is Gerald L. Ray & Associates, Ltd. now choosing to offer 401(k) services?
With efficient technology and a new tax bill that provides for automatic 401(k) enrollment, we feel the timing is right to offer a simple, low-cost 401(k) service for plan providers.

Our current plan participation is low. How can Gerald L. Ray & Associates, Ltd. help?
Gerald L. Ray & Associates, Ltd. seeks to improve both plan participation and contributions by offering continuing investor education. Through a simple five step questionnaire, we will help each participant with the initial selection of their investment model, ensuring the correct model is chosen. Participants will be able to easily amend their plan investment choices when the participant’s financial objectives or risk tolerance change.

Our investment choices are hard to understand and are loaded with fees. How is Gerald L. Ray & Associates, Ltd.’s plan different?
Our plan offers five simple models all built with exchange traded funds. These exchange traded funds have much lower fees than traditional mutual funds and the holdings are frequently updated and are available to view online.

Our company offers a self-directed option that allows for the participant to hire an advisor. Does Gerald L. Ray & Associates, Ltd. provide this type of advice?
Yes, we have always assisted our clients with both their taxable and retirement accounts. We can also provide help if you decide to leave your company and need to move your 401(k) assets to an IRA Rollover account.

What are the 401(k) fees?
The total fees paid by the provider and the participant are below 2% of plan assets. This includes financial advisor fees and estimated fees on exchange traded funds. There are no transaction fees for purchasing or selling shares of the funds. Additionally, the Third Party Administrator fee is an added cost that, in most cases, is fixed. These fees are lower than most existing plans.

Can I use my current TPA?
The 401(k) provider can either use their existing TPA or we can assist in finding a new one.