Expertise from Experience

When considering a retirement plan provider for your organization’s retirement plan, you obviously want access to quality investments for your plan. But is that all that matters?

We don’t think so. Many financial planners will tell you that 401(k) and 403(b) plans are pretty much the same. When they do, they clearly demonstrate their lack of understanding regarding the important differences and advantages of 403(b) plans for churches, ministries and mission-sending organizations. Whether it’s selecting specific plan design options or constructing the plan to really meet the needs of both Participants and you as Plan Sponsor, when you work with Envoy Financial, you’re accessing industry-recognized expertise in retirement plans for Christian non-profits.

At Envoy Financial, we understand the intricacies and unique needs of Christian ministries, and specifically those of churches and mission-sending agencies. Also, our commitment to staying informed on legislative changes provides us with an understanding of what our plan sponsors need in order to fulfill their fiduciary responsibilities, operate their retirement plan in a compliant manner, and safeguard their tax-exempt status with the IRS.

Does your retirement plan provider really understand the needs of your organization? Are you sure that they know the specifics of Code pertaining to 403(b)(9) Retirement Income Accounts, Roth Accounts, Housing Allowance, and Foreign Earned Income Exclusion? At Envoy Financial, we know.

Consider the following elements of a retirement plan and how your current provider serves your needs:

Expertise – Experienced-Based Knowledge About Retirement Plans and Retirement Plan Administration

Do they specialize in retirement plans for churches and non-profit ministries?
Do they know the answers to tough questions related to the differences and advantages of 403(b) plans for churches, ministries and mission-sending organizations?
Do they understand the specific and unique needs of mission-sending agencies regarding finances and planning for retirement?
Do they have a track record of providing successful solutions for organizations similar to your organization?

Legal – Third Party Administration, Plan Documents, IPS, SPD, and Regulatory Updates

Do they generate and update your required official plan documents?
Do they monitor regulatory changes and provide plan updates as needed so your plan is up-to-date and compliant?
Will they help your leadership create an Investment Policy Statement for the retirement plan?
Do they produce a Summary Plan Description for your participant’s use?
Do they provide Third Party Administrative services to your internal plan administrator and benefits staff?

Fiduciary – Plan Design, Communications, Monitoring, and Reporting

Do they provide Plan design guidance so your plan complies with appropriate Internal Revenue Service and Department of Labor laws?
Do you have systematic access to plan level information for you to engage as plan sponsor in plan monitoring and the oversight process?
Do you receive education, instructions, direct preparation and available data components for required reports?
Are they committed to delivering initial and ongoing plan related communications for your staff members?

Recordkeeping – Online Enrollment, Participant Services, Online Access

Do they provide interactive and customized enrollment services?
Do they provide 24/7 online access to accounts for participants to change their information, beneficiaries, and investments?
Do they have a dedicated service team available to provide service and counsel to your plan participants?

Investments

Do they have access to multiple share classes – including institutional shares for plans of substantial size?
Do they have great investment choices, including faith-based funds, all at NAV?
Do they provide hands- on and hands-off investment options, including portfolios, individual funds, and managed account services?

Support – Available when you need it for both Plan Sponsor and Participant

Do they provide online videos and other tools to help your administrative team learn and understand processing systems?
Are they available by telephone and in-person to serve your participants?

At Envoy Financial, we are able to serve your organization in all of these areas. We are qualified, capable and engaged! To learn more about how we can serve your organization, click here to watch our 3-minute “Why Envoy?” video and request that a representative contact you.

Envoy Financial
Trusted Advice Along The Way

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	High Impact Retirement Plans Expertise from Experience Plan Design Elements 401(k) vs. 403(b) Roth Investments New Fee Disclosure Requirements - Storm or Opportunity? Future Funded Ministry Plan Retirement Plans Overview Those We Serve Trusted Advice TPA & Recordkeeping Service We Understand the Law The Big Five Questions Investor Comparison Request a Demo Expertise from Experience When considering a retirement plan provider for your organization’s retirement plan, you obviously want access to quality investments for your plan. But is that all that matters? We don’t think so. Many financial planners will tell you that 401(k) and 403(b) plans are pretty much the same. When they do, they clearly demonstrate their lack of understanding regarding the important differences and advantages of 403(b) plans for churches, ministries and mission-sending organizations. Whether it’s selecting specific plan design options or constructing the plan to really meet the needs of both Participants and you as Plan Sponsor, when you work with Envoy Financial, you’re accessing industry-recognized expertise in retirement plans for Christian non-profits. At Envoy Financial, we understand the intricacies and unique needs of Christian ministries, and specifically those of churches and mission-sending agencies. Also, our commitment to staying informed on legislative changes provides us with an understanding of what our plan sponsors need in order to fulfill their fiduciary responsibilities, operate their retirement plan in a compliant manner, and safeguard their tax-exempt status with the IRS. Does your retirement plan provider really understand the needs of your organization? Are you sure that they know the specifics of Code pertaining to 403(b)(9) Retirement Income Accounts, Roth Accounts, Housing Allowance, and Foreign Earned Income Exclusion? At Envoy Financial, we know. Consider the following elements of a retirement plan and how your current provider serves your needs: Expertise – Experienced-Based Knowledge About Retirement Plans and Retirement Plan Administration Do they specialize in retirement plans for churches and non-profit ministries? Do they know the answers to tough questions related to the differences and advantages of 403(b) plans for churches, ministries and mission-sending organizations? Do they understand the specific and unique needs of mission-sending agencies regarding finances and planning for retirement? Do they have a track record of providing successful solutions for organizations similar to your organization? Legal – Third Party Administration, Plan Documents, IPS, SPD, and Regulatory Updates Do they generate and update your required official plan documents? Do they monitor regulatory changes and provide plan updates as needed so your plan is up-to-date and compliant? Will they help your leadership create an Investment Policy Statement for the retirement plan? Do they produce a Summary Plan Description for your participant’s use? Do they provide Third Party Administrative services to your internal plan administrator and benefits staff? Fiduciary – Plan Design, Communications, Monitoring, and Reporting Do they provide Plan design guidance so your plan complies with appropriate Internal Revenue Service and Department of Labor laws? Do you have systematic access to plan level information for you to engage as plan sponsor in plan monitoring and the oversight process? Do you receive education, instructions, direct preparation and available data components for required reports? Are they committed to delivering initial and ongoing plan related communications for your staff members? Recordkeeping – Online Enrollment, Participant Services, Online Access Do they provide interactive and customized enrollment services? Do they provide 24/7 online access to accounts for participants to change their information, beneficiaries, and investments? Do they have a dedicated service team available to provide service and counsel to your plan participants? Investments Do they have access to multiple share classes – including institutional shares for plans of substantial size? Do they have great investment choices, including faith-based funds, all at NAV? Do they provide hands- on and hands-off investment options, including portfolios, individual funds, and managed account services? Support – Available when you need it for both Plan Sponsor and Participant Do they provide online videos and other tools to help your administrative team learn and understand processing systems? Are they available by telephone and in-person to serve your participants? At Envoy Financial, we are able to serve your organization in all of these areas. We are qualified, capable and engaged! To learn more about how we can serve your organization, click here to watch our 3-minute “Why Envoy?” video and request that a representative contact you. Envoy Financial Trusted Advice Along The Way
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