Your 5 Retirement
Plan Essentials

At Loring Ward Total Retirement, we believe that these five retirement plan essentials can help ensure a superior retirement plan experience for you and your employees.

  1. Work with an ERISA 3(38) Fiduciary. Not all fiduciaries are created equal. Loring Ward is an ERISA §3(38) fiduciary for all the portfolios it manages. By working with an ERISA §3(38) fiduciary, plan sponsors can transfer significant responsibility to Loring Ward, which has a duty of loyalty, prudence and care towards the plan and must act in the best interests of the participants. Because Loring Ward acknowledges its ERISA §3(38) fiduciary status in writing, plan sponsors can be confident that they have the proper options and support in place.

  2. Provide Prudent Portfolios. Loring Ward believes decades of research by leading academics and more than 80 years of data and analysis all point to how investments should be managed. Our strategic passive approach is designed to put the power of global markets to work for plan participants. The goal of all our professionally-designed portfolios is to take the guess- work out of choosing investment options and deliver expected rates of return for a plan participant’s chosen level of risk. Each portfolio contains as many as 9,000 securities in 45 countries, representing 35 currencies and nine distinct asset classes.

  3. Insist on Total Transparency. Determining the total cost of your company’s retirement plan can sometimes be a real challenge, but as a fiduciary to the plan, you are legally required to know and manage every fee. Loring Ward Total Retirement discloses all fees in a straightforward, one-page document, allowing you to easily see how much is paid, and to whom. We deliver total fee transparency. You always know — quickly and easily — just how much you and your plan participants are paying.

  4. Optimize Plan Design. One size doesn’t fit all. Loring Ward Total Retirement can service almost any type of retirement plan, including Solo(k), 401(k), Safe Harbor 401(k), Profit Sharing, Defined Benefit (including cash balance plans), 401(k)/DB combo Plans, and 403(b) plans. If you haven’t reviewed your plan documents recently, there may be better options for your situation. We work with you to fully understand your objectives, and then design a plan to best fit your specific needs.

  5. Educate, Advise, Monitor. An independent advisor, working with Loring Ward Total Retirement’s team of experts, is with you every step of the way to effectively manage the relationship, monitor the plan, advise and support plan decision makers and, most importantly, help educate employees. Working with a professional advisor helps you minimize the complexities of your retirement plan.

These 5 Retirement Plan Essentials are the building blocks for almost any successful retirement plan, reducing your fiduciary liability and helping your employees gain confidence in a more secure retirement. Speak to your independent financial advisor about working with Loring Ward Total Retirement. Be sure to ask for a complimentary analysis of how your retirement plan could be made more efficient and effective.


Investment advisory and administrative services provided by LWI Financial Inc. ("Loring Ward"). LWI Financial Inc. is an investment advisor registered with the Securities and Exchange Commission. Loring Ward is considered to be an investment manager under §3(38) of the Employee Retirement Income Security

Act of 1974 (ERISA) only for those portfolios administered by Loring Ward. Plan advisors and trustees may have other fiduciary obligations independent of those which are assumed by an ERISA §3(38) investment manager. R 11-286 (01/11)