Retirement Account Management

Kulch Financial Services is a leading advisor to retirement plan participants. Through our Retirement Plan Investment Advisory Program, we provide retirement plan participants with professional expertise aimed at optimizing investment performance and helping employees to maximize their growth and returns. Our investment professionals will assist employees in developing a portfolio plan and in selecting the funds appropriate to their investment risk perspective.

With the staggering increase in defined contribution plans such as 401(k)s, 403(b)s, 457s, SEPs, SIMPLEs - and the declining usage of defined benefit plans - employees are being left with more and more responsibility to assume the decisions in appropriately managing their retirement plans. The employer no longer has that responsibility. But are employees really equipped to take on this level of responsibility unlike seasoned pension actuaries and investment consultants? Employees do not have the training, education, or understanding of investments and the market.

With retirement accounts representing your largest assets, it is important that you apply prudent investment principles to our retirement savings. However, most people do not have the time or background to analyze markets and develop a strategy plan for retirement savings investing and investment fund selection for diversification and asset allocation. Kulch's Retirement program takes the burden of managing your retirement accounts off of you and provides professional research, guidance, and ongoing support for your retirement accounts so that you can focus on the many other responsibilities and activities in your personal and professional lives.

Our investment team will research all of your available fund offerings and based on your investment perspective, risk tolerance, financial goals; we will recommend an allocation for you. In addition, we will provide an updated allocation recommendation every quarter to ensure that your portfolio reflects current market and economic conditions. You can relax knowing that your retirement savings are being reviewed and managed by an expert - an independent investment advisor working on your side.

Diversification does not guarantee against market losses. It is a method used to help manage investment risk.