Employees First 401(k) in Phoenix

The Employees First 401(k) Plan will help you:

  • Save time and money. The Employees First 401(k) Plan lets you outsource your company's administrative chores, reducing your administrative burden, costs and paperwork. Your HR and accounting staff will be free to work on more important projects to help your company grow.
  • Boost employee morale. Our professionally managed portfolios offer highly diversified asset allocation models to meet your employees' investment needs. And we provide the information and advice to help them make educated decisions, making for more satisfied employees.
  • Enjoy timely reporting. Our 401(k) Recordkeeping partner handles all account-related record-keeping chores and gives your employees regular reports and statements along with 24/7 access to their accounts.
  • Help reduce your liability. Employees First401(k) has a 3rd party independent Fiduciary that conducts periodic reviews to ensure regulatory compliance, reducing your liability. As a Registered Investment Advisor, we serve as a fiduciary, providing advice and service that should always be in your and your employees' best interests.
Diversified Investments

As part of the Employees First 401(k) Plan, your employees receive access to the our Institutionally Managed Program. Our investment platform, developed through years of extensive research and based on Modern Portfolio Theory, features dynamic, versatile asset allocation models designed to help minimize expenses and control risk while focusing on long-term investment results.

The Employees First 401(k) Plan offers your employees:

  • Potentially lower investment risks through extensive diversification.
    Investing isn't merely about generating returns — it's equally about managing risk. That's why our portfolios are designed first and foremost to reduce investment risks — such as market risk, interest rate risk, credit risk and geopolitical risk. We accomplish this through extensive diversification, offering asset allocation models that feature as many as 20 asset classes and market sectors. Of course, diversification does not assure a profit or protect against loss in a declining market, and there are no guarantees that a diversified portfolio will outperform a non-diversified portfolio. All investments have inherent risks, including loss of principal, for investments such as mutual funds and ETFs. As always, past performance does not guarantee future results.
  • Consistent, competitive strategy through a time-tested investment approach.
    Employees First's investment choices allow for extensive diversification which enables participants to share in the returns offered by the global financial markets. Our long-term investment approach and asset allocation strategy help participants manage risks and costs over the years.
  • Institutional mutual funds and ETFs.
    We offer low-cost investments — often less than one-fifth the cost of ordinary retail mutual funds. Employees First 401(k) provides access to investments used by some of the nation's largest institutional investors, such as institutional mutual funds and exchange-traded funds.
Professional Advice

When you choose The Employees First 401(k) Plan, your employees have access to the information and advice they need to make educated investment decisions. From personal access to a financial advisor via phone or email to our ongoing monitoring of all accounts, our professional advice is designed to help keep your employees' retirement plans on track.

  • Strategic rebalancing and portfolio monitoring.
    Even the best designed accounts need periodic adjustments. The movement of the markets can cause accounts to drift, causing inefficiencies. We monitor each employee's account to take advantage of rebalancing opportunities to help your employees manage risk and returns.
  • Advisory services included in fully transparent fees.
    Our compensation is strictly limited to an annual administration fee and investment management fee, which includes our advisory services, as well as all plan record-keeping, administration and investment management expenses. Also, as the plan's assets grow, we give you important economies of scale that saves the participant money.
  • No commissions. No revenue sharing.
Turnkey System

When you choose the Employees First 401(k) in Phoenix or where ever in the country you may be, you'll enjoy ease and convenience you never thought possible — starting with an easy transition from your existing plan.

The professionals at Harris Investment Advisors and their partners will:

  • Design your plan
  • Prepare all necessary documents for you
  • Review key features of the plan with your staff
  • Mail notifications to employees
  • Open and administer accounts
  • Transfer assets and employee data

Our partners Future Benefits of America and Fiduciary Doctors will handle all account-related record-keeping and ongoing monitoring by:

  • Sending quarterly statements to plan participants
  • Tracking company contributions and legal documentation
  • Handling IRS-required ADP/ACP tests
  • Preparing the annual IRS Form 5500
  • Executing asset reviews
  • Conducting compliance review of TPAs

We'll also help your employees make educated investment decisions by:

  • Helping them assess their risk tolerance
  • Giving them an asset allocation analysis
  • Executing our fiduciary duty to serve our clients' best interests
  • Delivering comprehensive portfolios that match each employee's risk tolerance, time horizon and investment goals
  • Offering 24/7 online account access
  • Personal access to an experienced financial advisor via telephone and email

401(k) plans that lack these features may create liabilities for employers and could cost employees money.

Help Your Employees Secure Their Future

Contact Harris Investment Advisors to begin setting up a 401(k) plan for your Phoenix area business