Harman Rogowski & Associates - Pension & 401(k)

Pension

401(k)

Plan

Services

For plan sponsors and committees

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Your 401(k) & Pension Partner

Offering comprehensive pension and 401(k) plan investment advisory services for plan sponsors, including 3(38) and 3(21) fiduciary services. Both services are designed to optimize your retirement plan offerings, ensuring compliance and maximizing benefits for your participants.

Optimizing Fund Menus

A critical component to an effective retirement plan program is an optimized fund menu. Our team of experienced investment advisors leverages analytics to research, select, and monitor your funds and managers.

Provider Selection

Let our experienced team guide your committee on provider selection. We conduct an RFP on your behalf, giving you the information you need to select providers who will give your employees the best experience and mitigate unnecessary costs.

Employee Guidance

Your employees need support to maximize the value of your retirement plan program. We help participants by offering on-site education, customized individual allocations, and one-on-one retirement plans.

Risk

Many plan sponsors and committee members to recognize the amount of risk associated with managing a retirement plan. We help mitigate this risk by performing critical annual tasks like fund due diligence, and provider reviews. We also mitigate risk further by serving as a 3(38) or 3(21) fiduciary for some plans.

Fees

Reducing plan costs is critical for the health of company retirement plans and successful participant outcomes. Our team helps by offering outsourced RFPs, fund menu selection, and fee negotiation.

How we do it

We want to change how you invest and plan for your financial goals. Here is how we do it.

Alternative Investments

Specializing in non-traditional assets such as real estate, private credit, private equity, and structured notes, offering portfolio diversification and potential for returns independent of traditional stock and bond markets.

Transparency

Clear, comprehensive insights into the strategies, risks, and costs associated with portfolios.

Global Themes

Capitalizing on long-term shifts across global markets and anticipated macroeconomic trends, aligning investments with broader economic or social trends.

Active Oversight

Dynamically adjusting portfolios based on market conditions as compared to static buy-and-hold strategies.

Analytics

Minimizing human biases and enhancing investment precision by systematically analyzing securities, predicting market trends, and optimizing portfolio allocations.

Zero.

Zero proprietary investments or products. Zero trade commissions accepted. Zero conflicts of interest with our clients.

Your bank, our advice

Leave your money at your current bank, and let us handle investment management. We work with most major financial institutions offering discretionary portfolio management.

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Your 401(k) & Pension Partner

How we do it

Your bank, our advice

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