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The Raymond James CoPilot 3(38) 401(k) solution helps you strengthen your advisory role by pairing 3(38) investment oversight with streamlined plan administration. With Raymond James managing investment selection and Ascensus providing recordkeeping and compliance support, you can offer clients a 401(k) plan that reinforces your value as a trusted partner to small business clients.

Use this resource to help clients understand the value of the Raymond James CoPilot 3(38) 401(k). This turnkey solution simplifies plan management, provides professional 3(38) investment oversight, and offers employees access to a well-supported retirement plan experience.

Financial advisors often guide small business owners through critical decisions about retirement plans. Understanding the differences between SEP IRAs, SIMPLE IRAs, and 401(k)s can help you recommend the best option based on business size, budget, and growth goals.

Streamline your investment management process with Ascensus’ exclusive Investment Change Manager (ICM), a powerful online tool built for financial advisors. ICM gives financial advisors complete control over fund changes, transforming complex administrative tasks into simple, compliant workflows. Designed to save time and enhance transparency, ICM helps you build stronger client relationships while improving operational efficiency.

Help clients navigate state-mandated retirement programs and explore alternative qualified plan options to meet their business needs. 

Help clients understand Virginia's state-mandated retirement program and educate them on the key features of the program as well as available alternatives. 

Help clients in Vermont understand and comply with state mandated retirement plan requirements and deadlines. 

Help clients in Oregon understand their state's retirement mandates and explore alternative solutions that meet both satisfy legal requirements and align with clients' needs. 

Help your clients in New York navigate the state's retirement mandates and explore alternative plan options to satisfy mandates and meet their business goals. 

Dive into the key factors to consider when evaluating a 401(k) plan provider, ensuring that the chosen recordkeeper aligns with client needs and business goals. From understanding fee structures to assessing customer service, learn what to look for when evaluating providers to make informed decisions that benefit your clients and their employees. 

Help clients understand the necessity of state-mandated retirement plans and explore their options to comply with these mandates.

Help clients understand California's CalSavers Retirement Savings Program and explore alternative options to satisfy state mandate requirements.

Help clients understand the Illinois Secure Choice Retirement Savings Program and explore alternative options to meet their retirement plan needs. 

Discover the untapped potential of small business retirement plans and learn how these plans can expand your advisory practice to drive growth.

Show your clients the impact of our flat-dollar approach to recordkeeping fees on their plan fees and market value over time. Use our pricing calculator to create a custom illustration that demonstrates the plan value, and compare Ascensus plan pricing with current plan pricing to highlight potential savings and improved asset growth.

Help clients choose the right retirement plan provider by comparing key factors beyond fees to ensure better service and participant engagement. 

Help clients understand the costs associated with their retirement plans, ensuring they choose the best provider for their business. 

Help clients understand the costs associated with their retirement plans, ensuring they choose the best provider for their business. 

Help your clients drive success with employer-sponsored retirement plans. This comprehensive guide equips advisors with the tools to support their clients in creating and managing effective retirement plans, helping employees financially prepare for the future while enhancing business outcomes. 

Help clients understand the impact of SECURE 2.0 on long-term part-time (LTPT) employees and guide them through eligibility rules, ensuring compliance with new regulations. 

Help clients understand and leverage the SECURE 2.0 Act to establish effective retirement plans, guiding them through the incentives and benefits for both business success and employee financial well-being. 

Help your clients in Minnesota navigate the state's mandated retirement program and discover alternative solutions that not only satisfy legal requirements but also align with their business goals. 

Help clients understand California's retirement state mandate requirements and explore the best solutions to meet their business needs.

Help clients understand Colorado's retirement state mandates and explore alternative solutions that may fit their needs.

Help your clients in Maryland understand the state's mandated retirement program and explore alternative solutions that satisfy both the mandate and their business needs. 

Help clients in Nevada understand the state's mandated retirement program and explore alternative solutions that satisfy legal requirements and meet their business goals. 

Help clients in New Jersey understand the state's mandated retirement program and explore alternative solutions that satisfy the legal requirements. 

Explore a range of managed account options to enhance your advisory services and meet your clients' diverse needs. Learn about key factors to consider — including fees, advice models, and rebalancing frequencies — and discover how our independence and strategic relationships provide you with the flexibility to offer tailored investment solutions. 

Help clients evaluate retirement plan providers using a comprehensive checklist to ensure they choose the best fit for their business needs.

Help clients understand Connecticut's state retirement program and explore the alternative solutions to satisfy the mandate.

Help clients understand requirements under Delaware's retirement state mandated program and explore the best solutions to meet their business needs.

Help clients understand Hawaii's state-mandated retirement program and explore the alternative solutions to satisfy the mandates as well as meet their business needs.

Help clients understand Illinois' state-mandated retirement program and educate them on the key features and benefits of the program as well as available alternatives.

Help clients navigate Maine's retirement state mandate and understand alternative plan options, ensuring compliance with the mandates.

Explore how cost of living adjustments (COLAs) impact contribution limits and the operations of qualified retirement plans, SEP plans, and SIMPLE plans. Learn about the annual adjustments required by Section 415 of the Internal Revenue Code and how they affect your clients' retirement planning.

Compare various retirement plan options to find the best fit for your clients, considering factors like eligibility, contributions, and administrative responsibilities.

Find the right plan for your client with our small business plans overview.

Explore how CoPilot 3(38) retirement plans can save you time and help grow your business with streamlined, transparent pricing and low-cost investment menus. Ascensus offers two CoPilot 401(k) retirement plans—traditional and Individual(k)^™—that are cost-effective and ease the investment and administrative burden of managing a 401(k) plan. 

Use the SECURE 2.0 Tax Credit Calculator to prospect small business clients by demonstrating potential tax credits available for sponsoring a retirement plan.

Help clients explore the tax credits available under the SECURE 2.0 Act, including eligibility criteria and potential savings, using the Tax Credit Calculator.

Help your clients navigate the new automatic enrollment requirements for retirement plans under the SECURE 2.0 Act. 

Help clients understand the new tax credit for including military spouses in their employer-sponsored retirement plans under the SECURE 2.0 Act, guiding them through eligibility criteria and benefits.

Help your clients understand the improved coverage and new eligibility rules for long-term part-time (LTPT) employees under the SECURE 2.0 Act.

Explore the benefits and features of the Ascensus Secure Retirement PEP, which offers an affordable, customizable retirement solution for advisors and their clients.

Enhance your advisory practice by offering payroll integrated 401(k) solutions, streamlining processes for clients and increasing your revenue streams. 

Help clients understand the Pension-Linked Emergency Savings Accounts (PLESAs) introduced by the SECURE 2.0 Act, and guide them through the implementation and benefits of PLESAs.

Learn how writing effective prospecting emails—focusing on client needs and establishing value—can help you grow your 401(k) business.

Expand your book of business by leveraging easy prospecting methods and partnering with specialized providers to offer 401(k) plans to clients.

Help your clients understand the new penalty-free distribution option for emergency expenses, including eligibility and benefits of the provision, introduced by the SECURE 2.0 Act. 

Expand your advisory practice by integrating retirement plans, leveraging the SECURE 2.0 Act and state mandates to meet growing demand and enhance client relationships.