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Bell Capital Management
401(k)
Presented by:
Mr. Joe Advisor, CFP
Advisor Wealth Management
Date
Company Name
Corporate Officers
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401(k) Features
Highly flexible platformCustomizable to meet your specific needs
Wide variety of investment options
6 Professionally managed portfolios15 to 25 Individual mutual funds
Access to specialized professionals
Financial AdvisorBell Capital Management, a Registered Investment
AdviserProfessional Capital Services, TPA & Record
Keeper SUNGARD, Custodian Dilworth Paxon, established ERISA law firm in
Philadelphia
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401(k) Features
Choice of Third Party Administrator (TPA) and Custodian
Can use a local TPA Can use a custodian other than SungardCost of the program may rise if Professional
Capital Services and/or Sungard are not used.
Access to information
Plan sponsor website Employee website Toll free phone number
Plan Sponsor Website
Real-time access to participant account Data Graphical and tabular account balances by fund and source Outstanding loan balances Loan modeling
Plan level information Total plan balance by fund Total plan balance by source Balances by location or status
Reporting Average participant balances
by age # of funds per participants Fund utilization statistics Outstanding loan balances Delinquent loans
Participant WebsiteInteractive educational toolsOnline plan summary Comprehensive transactional services:
Paperless enrollment services Account balances with detailed
investment views Investment election changes Fund transfers Loan modeling/processing Withdrawal processing
Online statementsFund information and
performanceTransaction history
Participant Education
Online statements available 24/7
Online articles, calculators and retirement planning tools
Customized color enrollment booklets
Multi-media enrollment presentation
Participant call center
Updated investment information and fund performance
Additional Participant Access
Voice Response Unit (VRU) Customer Service Representatives
Financial Advisor
24 x 7 systemAccount balancesAccount transactionsLoan modelingWithdrawal
informationOpt out to customer
service representativeMutual fund pricesFund performance
Participant service representatives available during business hours
Account inquiriesTechnical assistance
Participant enrollment meetings
Distribution and retirement planning
Initial enrollment services Ongoing seminars &
education
Bell Capital Managed Portfolios
6 Actively managed portfolios
Self Directed Choices
15 – 25 Individual mutual funds
This number is flexible to allow for your specific needs
Bell Capital chooses & monitors these funds
Investment Options
BCM Managed Portfolios
Vision 100
Vision 65
Vision 35
Vision Bond
Best Class Stock Opportunity
Multi Market Opportunity
Vision Series PortfoliosVision 100 Vision 65 Vision 35 Vision Bond
Vision SeriesStrategic approach to asset allocation
The number in the name represents the static stock allocation
100% invested at all times
These portfolios never hold cash
Bell Capital adds value by over and under weighting the different stock and bond asset classes, depending on market conditions
Opportunity Series PortfoliosBest Class Stock Opportunity Multi Market Opportunity
Best Class Stock Opportunity Portfolio
Performance driven portfolio
Fully invested in one stock market class at all times
Fully diversified within the specific stock asset class
Bell Capital determines the on-going selection of the specific stock market class
Opportunity Series PortfoliosBest Class Stock Opportunity Multi Market Opportunity
Multi Market Opportunity Portfolio Diversified risk sensitive portfolio
Seeks to protect against extended stock market declines while producing attractive results over a full market cycle
Tactical approach to asset allocation
Stock exposure can vary between 0% and 100%, averages approximately 65% over a complete cycle
Invests in varying combinations of stocks, bonds and money market mutual funds depending on market conditions.
Self Directed Options
Mutual Fund Universe of approx 15,000 funds
Bell Capital’s Top 50
15 – 25 funds chosen for each plan
Bell Capital Management selects, monitors and replaces, if needed, the individual mutual funds available to participants.
Who’s involved?
Financial
Advisor
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Financial Advisor
Responsibilities:Sales and Marketing ForceHandle ongoing relationship with the planAnnual enrollment meetings
Background:Founded ?Expertise ?
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Bell Capital Management
Background:Founded in 1984 and located in Atlanta,
Georgia
A fee-based Investment Adviser, registered with the SEC
3 member Investment Committee has worked together over 16 years
Provide investment management services for pension plans, profit sharing plans, foundations and individuals
Use a time-tested and proven investment strategy that is predicated on managing the risks in the markets
Bell Capital Management
Responsibilities:Monitor and re-allocate actively managed
portfolios
Monitor self directed options
Replace individual mutual funds if needed
Provide market commentary on a quarterly basis
Professional Capital Services
Background:Founded by tax and ERISA attorneys at Dilworth
Paxon, LLP, a 70 year old Philadelphia based law firm
Senior management team has over 60 years of experience
PCS specializes in creating customized retirement plans
At PCS, our mission is to create a complete and sophisticated retirement solution, fully tailored to meet the needs of your company and participants, at a price below that of an ordinary bundled program.
Professional Capital Services
Responsibilities:Provide record keeping services
Daily plan and account valuation
Daily processing and reconciliation of activity
Electronic payroll processing
Produce and mail quarterly statements to participant
Provide TPA services Complete compliance testing Signature ready 5500 (annual reports)
IRS tax reporting (Form 1099-R) QDRO qualification and approval Age 70 1/2 determinations
Maintain websites and toll free phone number
SUNGARD
Background:Over 23 years of experience in the financial services
industry
Software leader in in virtually every category, including trust and investment accounting, portfolio management, regional broker dealers, and employee benefit systemsResponsibilities:
Custodialize plan assets
Implement trades for Managed Portfolios and self directed investment options
Provide daily downloads to Professional Capital Services
Plan Expense .98%
Plan Fees
Annual expense is billed quarterly Based on quarter ending market value of the
planExpense can be deducted from plan assets
or paid by the company directly
Plan Fees
BCM Managed Portfolios < $500,000.50%$500,000 - $1,000,000.40%$1,000,000 - $3,000,000.30%$3,000,000 - $5,000,000.25%$5,000,000 <.20%
Annual fees are billed quarterly, based on quarter ending market value of all BCM managed portfolios
Management fee can be deducted from plan assets or paid by the company directly
BCM suggests that each participant’s account be charged for their prorated portion of the investment management fee
Professional Capital Services*
Third Party Administration (TPA) $1,500Record Keeping Fees .25%
* Fees may vary depending on plan size. One time installation or other charges may also be accessed. Please contact BCM or PCS for more information.
Plan Fees
SUNGARDCustodial Fees .04% ($800 minimum)
Note: All trail revenue ( 12(b)1, SubTA fees, etc. ) from the mutual funds will be used to offset all of the plan fees. If the total fees are higher than the offsetting amount, the plan will be charged the difference.
Installation Services
Dedicated implementation specialist from PCS
Minimize service disruption
Efficient four-step process:
1. Employer commitment, document collection and planning
2. Employee enrollment meetings conducted & payroll procedures established
3. Preparation of plan documents
4. Plan set-up and transition of existing assets
Summary
Thorough, flexible and professional investment
services
Automated processing environment allows plan sponsors to spend less time administering their plan, and more time managing their business
Bell Capital Management PCS platform provides plan sponsors and participants with a high level of customer service
Efficient and seamless transition process
Next Steps
Plan set-up meeting
Populate, review and sign all plan documentation
Set employee enrollment meeting dates
Enjoy the benefits of the Bell Capital Management PCS platform
