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COVID-19 Update

Alliant Wealth Advisors is an "essential business" under Virginia state law and we remain fully operational during the COVID-19 crisis.

To keep our clients, staff and colleagues safe we are currently holding all meetings via video conferencing. And we are alternating a small number of staff in our office while the majority serve you from their home.

Speaking of our office. Our headquarters in Prince William will relocate to the Signal Hill Professional Center at 9161 Liberia Avenue, Suite 100, Manassas, VA 20110 effective Monday, April 20, 2020.

Whether we are virtual or in person, we are here for you. Please keep safe.

Best Regards,

John Frisch, CPA/PFS, CFP®, AIF®, PPC®

President

A Better
401(k) Solution

  401(k) and 403(b) Plans Made Simple  


Secure Retirement by Design

Alliant Qualified Plans provides a consultative process backed by an ultra-high level of service and state-of-the-art technology. Learn More

Better Plans

We offer better 401(k) and 403(b) plans to help retirement plan sponsors improve their employees’ ability to build toward retirement, reduce the potential personal liability of their plan fiduciaries, and simplify plan compliance and administration.

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Our Differentiators

Better Plan Investments

We access the low-fee funds offered by institutional money managers.

Better Participant Experience

Better funds along with our professional investment management, broad financial education and mobile account tools result in more engaged, better invested, better prepared employees.

Reduced Liability for Plan Sponsor Fiduciaries

We accept delegation – and liability – for investment selection and monitoring under ERISA 3(38).

 

TOP 9 COMMON MISTAKES OF PLAN SPONSORS

The most common mistakes made by well-meaning companies and business owners include a failure to:

  • 1. Establish and follow written investment policies and procedures

  • 2. Understand sponsor fiduciary duties and potential personal liability

  • 3. Apply innovative plan design strategies to achieve employer/employee goals

  • 4. Monitor and replace poor investment options

  • 5. Understand and evaluate plan fees

  • 6. Administer the plan correctly, monitor periodically

  • 7. Identify conflicts of interest

  • 8. Provide employees the retirement tools they need

  • 9. Take action

  • Let’s start the conversation.


Going the extra mile

avatar The retirement-plan business is a competitive one. We deliver an “above-and-beyond” level of service that we believe all businesses should demand.

Joe Walsh heads Alliant Qualified Plans. His passion is working with employers to design and manage innovative 401(k) and 403(b) plans that meet organizational goals and employee needs. Joe’s expertise as a professional retirement plan consultant is backed by 30 years’ experience with money center banks providing clients with 401(k), investment management, pension, custody, and trustee services. This combination makes him a uniquely qualified advocate and partner for Alliant’s clients.

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  • CONFLICT FREE | Your Fiduciary

    CONFLICT FREE | Your Fiduciary

    Objectivity is the hallmark of our services and advice – we’re conflict free today and we’ll continue to be so, just as we’ve always been. As a retirement plan sponsor, you need to have absolute confidence that your provider is impervious to the influences of third-party financial institutions.

  • PEOPLE | Commitment to You, Your Employees

    PEOPLE | Commitment to You, Your Employees

    The ability of many Americans to retire has been questioned by the news media and government leaders, as well as individuals. It is with those concerns in mind that Alliant has developed a slate of distinctive retirement plans, each with its own unique set of qualities.

  • OUR BEST | We Do Things Right

    OUR BEST | We Do Things Right

    Beginning with your goals, we help you strategically design both 401(k) and 403(b) plans to benefit your organization and your employees.

  • A LEGACY OF TRUST | Your Needs are Important to Us

    A LEGACY OF TRUST | Your Needs are Important to Us

    For more than a quarter of a century, Alliant Wealth Advisors has built a proud tradition of integrity, trust and financial excellence.

Latest News

A landmark Supreme Court case every employer should be aware of

September 27, 2016—Last year the Supreme Court of the United States (SCOTUS) convened to decide a landmark case: Tibble v. Edison. According to InvestmentNews,1 this was “the first 401(k) fee case to be heard by the U.S. Supreme Court.”

The case turned upon this question: does a company (and company personnel who manage retirement plans, otherwise known as fiduciaries or plan sponsors) breach their responsibilities under the federal Employee Retirement Income Security Act (ERISA) by not offering lower-cost mutual funds to retirement plan participants when identical lower-cost funds were available?

This case was decided in a solid 9-0 vote, indicating the Court’s strongly and uniformly-held stance on this issue. Their holding:2 Because a fiduciary normally has a continuing duty to monitor investments and remove imprudent ones, a plaintiff may allege that a fiduciary breached a duty of prudence by failing to properly monitor investments and remove imprudent ones. Such a claim is timely as long it is filed within six years of the alleged breach of continuing duty.

As you are likely aware, this case is just more than an isolated incident; it is a sign of the times. Over the past few decades – and gaining more momentum after the infamous 2008 crash - an increasingly entangled thicket of employer responsibilities has cropped up around retirement plans. For individual
1 http://www.investmentnews.com/article/20160122/FREE/160129972/attorney-schlichter-preps-new-round-of-401-k-suits
2 http://www.scotusblog.com/case-files/cases/tibble-v-edison-international/
employers, that thicket grows as their company grows, and the longer their plan goes without periodically ensuring their fees are reasonable. One way to know whether the fees on your plan are reasonable and competitive is by conducting a Request for Proposal (RFP) from various retirement plan service providers. Another is by conducting a comparative benchmark of your plan’s fees by utilizing the services of an independent financial advisor – something we at Alexandria Capital can easily perform. Regardless as to what process you choose, the most important thing from a liability standpoint is that you have a process that fits the above criteria, and that execution on that process is consistently documented. Thankfully, those who manage company retirement plans don’t have to navigate the thicket of fees and regulations alone. We at Alliant Wealth exist to make life easier for employers who offer retirement plans. As an independent Registered Investment Advisor® we put our clients’ interests ahead of our own. If you are interested in staying ahead of the curve regarding fee reasonableness, contact me via phone or email. We’d love to talk with you.

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