At Morale Boosters and the 401k Advisory Group, we enable you to have a workforce that is enthusiastic and motivated about their jobs, so that your company is profitable and sustainable. We do this by co-creating with each employee a long-term vision of their future and integrating this with the long-range goals of the company. We replace brokers, bankers and agents, who cannot provide ERISA §405(d)(1) / §3(38) “Investment Manager” Fiduciary support, which allows us to perform such intensive duties and take away virtually all plan sponsor liability with regard to investment selection, oversight and disposition.

Featuring The Retirement Coach System!

"BEWARE OF RECORDKEEPERS, BROKERS AND ADVISORS TOUTING "CO-FIDUCIARY" SERVICES, EVEN THOSE WHO SPECIFY ERISA 3(21)(A)(ii), as this does NOTHING to reduce your plan fiduciary liability, and in fact INCREASES your liability exposures with the advice they give, AND makes you responsible for their due diligence as well. Assigning a "co-fiduciary" adviser to your plan does nothing to provide 404(c) relief. ONLY ERISA 3(38) "Fiduciary Manager" designees can do this. For more information, please contact us.