What Makes Us Different PDF  Print  E Mail
We get to know our clients and to understand what is truly important to them. Only then can we support our clients' goals. Our vast retirement knowledge skill set, attention to detail and overall commitment to you and your employees distinguishes us in the retirement industry. Objectivity is our cornerstone in recommending plan design and offering suitable investment alternatives. The result is a benefits program that adds tangible value to your organization, helping you attract and retain quality employees. Critical to our "needs-based" approach is the ability to listen and ask the right questions. To that end, we use a three step process in our overall retirement solutions: Design Before we suggest an appropriate retirement program, we listen then analyze your very specific intentions. By addressing your unique interests including favored employee classes, contribution intentions and plan flexibilities, we obtain a clear understanding of your profile and future retirement needs. We then prepare options for proposed designs consistent with your specific goals. As your design is a "work-in-progress," study, we closely interact while you tailor the program to a suitable fit. Retirement specialists are always available to support you and your professional advisors during this important phase. Implement Working closely with your company contact and record keeping team, we help coordinate the installation (or conversion) of your new retirement program. As this process can be otherwise technically challenging to the Plan sponsor, we utilize specialists in the process to help assure accuracy and efficiency. Employees appreciate our user-friendly education during plan implementation and ongoing support. Review As your financial situation and retirement goals may change over time, we help you monitor your program through regular annual checkups. Reviews are scheduled upon your invitation. Our intent is to ensure that you maintain the best fit based on your growing needs. While some organizations may be centered around investment transactions, we are proud to support our clients with a complete retirement plan solution. Our all-inclusive program covers each element of proper plan design and fiduciary review. In these ways, we remain distinguishable within the retirement plan market place.
 

Important Information

All administrative and record keeping services are offered by PB&H Benefits, LLC. The custodian trust company is Mid Atlantic Trust Company (MATC), providing a state-of-the art trading and reporting system that integrates record keeping, trust accounting, and straight-through processing with access to over 16,000 mutual funds in underlying accounts. All investments are offered by Registered Representatives of MML Investors Services, LLC, Securities are distributed through MML Investors Services, LLC, Member, SIPC. Supervisory Office: 2 Bala Plaza Suite 901 Bala Cynwyd, PA 19004 Tel (610) 660 9922. Investment education is provided by Registered Representatives of MML Investors Services, LLC. Note that our role as financial professionals, with respect to the 401k plan, is not to provide investment advice. We offer employee education including fund information and portfolio design using models that match the employee's intended level of risk and investment goals. In no way do we endorse any recommendations, advice, or opinions contained in Information developed by third party providers and mentioned in this website. We merely provide access to such information as a convenience to help you consider your design and investment selections. Any investment decisions you make are based solely upon your evaluation of financial circumstances and investment objectives, in the best interests of your Plan. Mutual Funds are sold by prospectus. You should carefully consider a fund’s investment objectives, charges, expenses, and risks before investing. The fund's prospectus, which can be obtained online (or hard copy) by calling your Registered Representative, contains this information and other facts about the fund. Please read the prospectus carefully before you invest or send money. We do not offer tax planning or legal advice. Please consult your CPA or attorney for specific tax implications and legal matters pertaining to your Plan.

Registered Representative Information

John M. Novak is a Registered Representative of and offers securities and investment advisory services through MML Investors Services, LLC, Member, SIPC. Supervisory Office:
First Financial Group
2 Bala Plaza Suite 901
Bala Cynwyd, PA 19004
Tel (610) 766 3014 Administrative and record keeping services offered by PB&H Benefits, LLC, and custodian services offered by Mid Atlantic Trust Company are not sponsored or offered through First Financial Group or MML Investors Services, LLC.  PB&H and MATC are not affiliates or subsidiaries of MML Investors Services, LLC.
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