Bayhill Advisors

Clear Financial Advice

Overview Strengthen your business' relationship with your employees by offering innovative and cost-effective retirement plan solutions Employers must be selective when deciding on employee benefit plans. Most benefit plans are difficult to modify once they are implemented. This is where we come in. Since we are independent advisers, we work for you and with you to design exactly what you need: Retirement Plans, RiskManagement Plans such as Group Health, Life and Disability, Voluntary Long Term Care and Personal Financial and Retirement Advice. In retirement plan area, we continue to see plans with limited investment choices, account fees, surrender charges or high asset management fees. In addition, many employees complain about the lack of any direct advice. Most plan providers focus their attention to expanding their on-line or on-phone enrollment and account management functions. They are largely avoiding the financial advice issue. Our experience indicates unmistakably that employees and employers want meaningful and competent investment advice. They want help in their financial planning. They want a reliable, objective resource to turn to. Many plan providers are ill-equipped or unwilling to offer more comprehensive programs. Although, large employers can obtain the services of sizable benefit departments or consultants, small and medium size employers do not have the expertise to look beyond the name of a provider. Soon after a company is selected, everyone realizes that the company really doesn't provide the needed services. Bayhill Advisors helps small and medium size businesses, governmental agencies (counties, cities and special districts), school districts and non-profit organizations bridge the gap between what is needed and what is actually delivered. We help you enhance your relationship with your employees. Our financial advisory services empower employers and employees to plan for stable and wealthier futures with unbiased, knowledgeable,competent advice component in addition to excellent plan design and implementation. We leverage our core capabilities to bring you the most innovative retirement and other employee benefit plans. Capability to implement the most appropriate plan. Is a SIMPLE plan more appropriate for your business than a 401(k)? What to look for in a good health plan? Lower premiums or lower total lost over a year? An open architecture plan design. Most retirement plan providers limit you to variable annuities or to a proprietary plan structure to tie your hands. Our plan structure is open and transportable. We also do not implement risk management programs that are not appropriate for your business. Wide selection of investment choices. We don't limit your employees to a select few investment options in your retirement plan. Your plan is not loaded with proprietary options. Complete transparency in our relationship. Most providers have revenue sharing arrangements with the companies providing the investment options available in their plans. In addition, separate administration fees are charged. Our advisory fee is the only fee our participants pay. No additional charges. Most plans have account charges, management fees, surrender charges and other expenses. Again, our advisory fee is the only fee our participants pay. Want to learn more? Contact us at 1.888.455.8392 or email us at contact@bayhilladvisors.com.

Clear Financial Advice