SMALL BUSINESS OWNERS Did You Know... Tax Credits Available Federal tax credits may cover 100% of your new workplace 401(k) plan start-up costs for three years?* Up to $1,000/employee Up to $1,000 per employee could be given to you in tax credits for a new start-up 401(k) plan?* No Match Required You can begin a 'Starter 401(k)' plan WITHOUT an employer match requirement?* Let Financial Resource Advisors (FRA) help you navigate the benefits of the new SECURE 2.0 Act. It could significantly improve your start-up or existing retirement plan options. For a complimentary, no-obligation initial consultation (phone or video), call 319-232-6122.*Restrictions apply. Securities & Advisory Services offered through Cetera Advisors LLC, member INRA, SIPC, a broker/dealer and Registered Investment Advisor. Cetera is under a separate ownership from any other entity. Call for more! Read What Clients Say About FRA Start, Manage, or Improve Your Company’s Retirement Plan Today!FRA’s Retirement Plan Services Team, led by Mike Hulme, FSA, AIF, CPFA, provides guidance on all aspects of plan operations. Examples include:Converting from a Simple IRA to a 401(k) planReviewing service providers and implementing changesEnsuring the investment menu complies with documented criteriaEducating employees on how to save well for a successful retirement outcomeFine-tuning plan design to stay aligned with your objectives, andExploring additional solutions such as a Cash Balance Pension Plan.We partner with you in plan oversight and simplify your role by navigating with professional processes. Our services help cover key areas of your plan such as:Risk and ManagementFiduciary Risks & ResponsibilitiesPlan Objectives and DesignService Provider Benchmarking, Screening and Selection As an independent firm, we are able to work with nearly all plan record keepers and third party administrators (TPA).It is not disruptive to your current record keeper or TPA relationship to partner with FRA to add value to your plan and employees.EducationEmployee Education & AdvocacyImproving Retirement OutcomesImproving Plan PerformanceWe partner with you to create a tailored education plan with quarterly activity delivered in a variety of forms, including in-person sessions. InvestmentsInvestment Policy StatementRobust Process: Screening, Selection, Monitoring, and BenchmarkingInvestment Co-Fiduciary Financial Resource Advisors also offers consulting services to businesses for advice and financial analysis on projects, business planning and transition planning. Mike Hulme, FSA, AIF, CPFA Managing Partner & Investment Advisor Representative 319-232-6122 319-234-6218 MikeH@FRAonline.com Kelly Goreham, AIF Investment Advisor Representative 319-232-6122 319-234-6218 Kelly@FRAonline.com Joshua Mercurio Investment Advisor Representative 319-232-6122 319-234-6218 Joshua@FRAonline.com Allison Mussig Senior Client Services Specialist 319-232-6122 319-234-6218 Allison@FRAonline.com Adam Schaefer Sales Associate 319-232-6122 319-234-6218 email@example.com Testimonials shown are given by plan sponsors of 401(k)s managed by Financial Resource Advisors. No compensation was provided directly or indirectly. These testimonials are not a guarantee of future performance or investment success, and the testimonial may not be representative of the experience of other customers. Please visit BrokerCheck to see more on the background of our firm.