Advisor Toolkit

Whether you are a 401(k) specialist or manage a 401(k) plan as part of your client’s overall portfolio, we’ve pulled together tools to assist with selling and servicing your plans.

Growing Your Business

PAi Quick Facts sheet.jpg

Get to know PAi on a deeper level—from how we got started to how we partner with advisors today, and everything in between.

We often hear advisors say that they don’t work with small business retirement plans, but companies of all sizes need retirement savings solutions too. Gain insight into the opportunities presented by small business retirement plans and how they can help you grow your business as an advisor.

Utilizing a payroll integrated 401(k) comes with many benefits—for both you and your clients. From increasing your business and building a referral network to saving your clients valuable time, learn how a payroll integrated retirement savings solution can benefit all involved.

It’s common to hear objections from business owners when approached about the idea of offering a retirement plan, so it’s important to learn how to overcome some of the common concerns employers may have about sponsoring a 401(k) plan.

Make sure you have the information you need to provide an accurate proposal with this quick proposal questionnaire designed for potential clients.

This questionnaire will guide you through the information needed for a conversion plan proposal and assist with learning more about your client’s specific needs.

Make 401(k) enrollment meetings a breeze with this ready-to-use, customizable presentation that’ll help walk your clients and their employees through all of the important details.

401(k) Plan Options

Open Architecture Information Sheet.jpg

Looking for ultimate flexibility in plan design and investment selections? Learn about PAi’s Open Architecture platform, its pricing, benefits, and compensation options for you—the advisor.

Retirement plan administration can be challenging, especially when balancing all of your other day-to-day responsibilities as a financial advisor. Enter CoPilot. CoPilot was developed to track plan participants’ retirement readiness and displays account balances in a way that actually means something to clients—how many years they can afford to be retired. 

Operating a 401(k) retirement plan can be a lot of work for plan sponsors, which is why CoPilot was designed with the plan sponsor in mind. Incorporate this tool into sales meetings to highlight the important info plan sponsors need to know about the CoPilot retirement solution such as features, benefits, and pricing.

Retirement plan participants value education—especially when it comes to their 401(k). Pass this guide out at enrollment meetings to highlight the important CoPilot 401(k) plan details, features, and benefits that participants will want to know.

Owner-only businesses and partnerships often struggle to find a retirement savings plan that fits their needs, but saving for the future doesn’t have to be complicated. Walk through the features, benefits, and pricing of the Plan4One retirement savings solution with your clients.

When it comes to retirement plans, business owners have numerous options—401(k), SIMPLE IRA, SEP IRA, and the like. Use this guide to help your clients select the right option for their business.

Payroll Integration

resources-430x325-Payroll Integrated Partners.jpg
  • Payroll Integrated Partners (pdf)

    PAi has a robust network of payroll providers that offer our integrated 401(k) solution. Don't see your payroll provider listed? Contact us today to learn more about additional partnerships.

Plan Compliance

Small businesses often face unique challenges when it comes to operating a retirement plan—namely passing non-discrimination testing. That’s where Safe Harbor comes in. Use this straightforward guide to explain to clients what a Safe Harbor plan is and what the benefits of having one are.

Use this calendar to stay on track with the important compliance dates you and your clients need to know.

  • 2019 Sales Deadlines (pdf)

    Setting your clients up with a new 401(k) retirement plan or converting an existing plan can be time-sensitive, so it's important to stay up-to-date on upcoming sales deadlines—especially as year-end approaches.

A 401(k) plan must meet certain requirements to maintain a tax qualified status, including passing non-discrimination, coverage, and top heavy testing. Use this fact sheet for definitions and examples that may help you and your clients understand the various compliance tests.

  • Automatic Enrollment Overview (pdf)

    Lack of employee participation can be an issue for any retirement plan, regardless of plan size. However, studies have proven that utilizing automatic enrollment can increase participation rates by up to 15 percent—putting employees closer to the path of retirement readiness. Use this guide to learn about PAi’s automatic enrollment process and the benefits of automatic enrollment.

Many 401(k) plans are required to undergo an annual audit of the plan’s financial statements to provide employers with a deeper understanding of their fiduciary responsibilities. Use this resource to learn answers to frequently asked questions regarding annual 401(k) audits.

Retirement plans have regulated maximum contribution limits, which are adjusted each year by the IRS to keep up with the ever-changing average cost of living. Learn more about adjusted 401(k) plan contribution limits for 2019 and years past.

Fiduciary Responsibility

As the standards for retirement plan fiduciaries continue to change, advisors are unsure about their own fiduciary requirements. Use this tool to learn about the different roles and responsibilities that make up a 3(38) service, to compare the services you receive with PAi’s CoPilot and Open Architecture platforms, and to make an informed decision on which platform best suits your needs and home office requirements.

Many retirement plan sponsors face confusion and uncertainty regarding their own fiduciary responsibilities related to the plan, but the reality is that every retirement plan sponsor is a fiduciary, and it’s vitally important that they are aware of and understand those responsibilities.

Additional Tools

Plan4One Maximizer.jpg

Showcase the savings potential of the Plan4One retirement savings solution to business owners by using this tool to prepare a contribution analysis for a Solo(k) plan. Simply enter age, income, and business type to receive a thorough side-by-side analysis of the maximum contribution limits allowed by various retirement savings options.

Advisors are often tasked with choosing investment lineups and fund options, which can sometimes cause quite the headache. This tool allows you to compare potential investment lineups and review fund metrics to update or change funds in a selected plan. Once you’ve selected the funds you want to discuss with your client, you’ll have all the information you need to complete the investment selection page on your PAi proposal. Use this quick-start tool to select plan investments and run reports such as:

  • Fund fact sheets

  • Estimated fund expenses

  • Fund matrix

  • Scorecard

  • Historical scorecard

  • Investment policy statement (generic)

  • Fund Comparison

Whether you’re a 401(k) specialist or you manage a single 401(k) plan as part of a client’s overall portfolio, PAi is here to assist you along the way. Download this comprehensive guide and walk through the resources we have available to assist you with selling and servicing your clients’ plans.

PAi’s Client Tracker portal is designed to provide you with a comprehensive view of your entire book of business, presenting the critical information you need to help support your clients. Use this guide to help navigate through the Client Tracker website to find the information you need during your clients’ plan setup and throughout the life of their plan.

  • Setup Summary Glossary (pdf)

    The Client Tracker Setup Summary allows advisors to see the current installation status of each plan they have in the setup process. Use this guide to understand the various installation statuses found on the Setup Summary.

  • Company Search Resource Guide (pdf)

    Client Tracker’s Company Search capability allows advisors to easily sort through their various clients’ plans to quickly find the information they need. Use this guide to learn about all the information available to advisors through Company Search.

  • Employee Search Resource Guide (pdf)

    The Employee Search Menu allows advisors to narrow down their search to a specific employee in a given plan. Learn about all the information you now have available to you through this new functionality.


Looking for resources to use with your clients and their employees?

¿Buscas materiales en español? Ahora ofrecemos varios formularios y guías traducidos, disponibles al iniciar sesión.

Looking for Spanish-speaking materials? We now offer several translated forms and guides, available by logging in.