Why Choose Us:
With more than 30 years of experience in taxation and finance, John Gigliello is a CERTIFIED FINANCIAL PLANNER™ and Accredited Investment Fiduciary®, which means he is specially trained to follow a fiduciary process with his clients’ best interest at heart. John works along side a team of financial planners that comprise Albany Financial Group, which has helped individuals, families and businesses pursue their financial goals since 1973.
Our retirement plan clients include small to mid-size companies across various industries, as well as non-profit organizations. Supported by the strength and resources of LPL Financial, John and his team specialize in all areas of retirement plan consulting, investments, participant education and private wealth management.
Our job is to help employers navigate the complex structure of retirement plans, and to balance fiduciary responsibilities with employee needs. Choosing the right retirement plan requires sponsors to find the plan that not only serves the needs of valuable employees, but does so at a reasonable cost. As a Fiduciary, plan sponsors must also choose and monitor investments, understand legislative changes and educate plan participants.
That’s where we come in.
As your retirement plan Advisor John will help you:
- Understand your fiduciary responsibilities
- Educate plan participants on their options and benefits
- Maintain a plan that complies with government regulations
- Address the needs of valuable employees as they plan for successful retirements.
We Help You Manage Your Fiduciary Requirements by:
- Adhering to fiduciary standards Under ERISA
- Following plan documents; carrying out fiduciary duties with prudence; diversifying plan investments; measuring fee reasonableness; properly handling employee contributions; avoiding prohibited transactions
- Assisting in development of an Investment Policy Statement (IPS) consistent with permissible services
- Monitoring investment performance and documenting replacement process
- Participating in regular Investment Committee meetings
- Helping to conduct annual fiduciary review
- Hiring and monitoring service providers; benchmarking fees
- Educating and communicating with participants
This information was developed as a general guide to educate plan sponsors, but is not intended as authoritative guidance or tax or legal advice. Each plan has unique requirements, and you should consult your attorney or tax advisor for guidance on your specific situation. In no way does advisor assure that, by using the information provided, plan sponsor will be in compliance with ERISA regulations.