Retirement Services

The history of employer-sponsored retirement plans runs deep at JKJ. The Johnson Companies (the former parent company of JKJ until 1992) created the very first 401(k) plan for itself before taking the concept to its clients. As such, the 401(k) plan JKJ employees use today is the oldest plan in the country! JKJ Retirement Services exclusively focuses on employer-sponsored retirement programs. Unlike many generalist firms for whom corporate retirement is an “ancillary” business, our practice passionately specializes in meeting the retirement plan needs of our business clients.



  1. Plan Expertise
  2. Investment
  3. Transparency
  4. Vendor Search
  5. Education
  6. Beyond 401(k)

Broad Plan Expertise

  • Defined Contribution: 401(k), 403(b), profit sharing, 457(b) &(f)
  • Defined Benefit: traditional, Cash Balance, frozen plan termination strategies (e.g. de-risking techniques and terminal annuities)
  • Employee Stock Ownership Plans (ESOP) and repurchase obligation funding
  • Non-qualified deferred compensation: Top Hat, NQDC, LTIP, SERP, Phantom Equity, 401(k) “mirror”

 

Securities & Investment Advisory Services Offered Through M Holdings Securities Inc.
A Registered Broker / Dealer And Investment Advisor, Member FINRA/SIPC
The JKJ Companies Are Independently Owned And Operated

Check the background of this Firm and/or investment professional on FINRA’s BrokerCheck.

 

Fiduciary Services and Investment Oversight

  • We align our interests with yours by sharing in the fiduciary liabilities and risks of YOUR plan
  • We provide a suite of fiduciary services encompassing both 3(21) and 3(38) formats
  • We guide your selection and monitoring of plan investments
  • We help you create and maintain your Investment Policy Statement (IPS)
  • We use process-driven screening and analytical tools in unison with our many years of knowledge and experience

Securities & Investment Advisory Services Offered Through M Holdings Securities Inc.
A Registered Broker / Dealer And Investment Advisor, Member FINRA/SIPC
The JKJ Companies Are Independently Owned And Operated

Check the background of this Firm and/or investment professional on FINRA’s BrokerCheck.

 

Independence and Transparency

  • We work for you, advocating on your behalf
  • We are completely independent from any affiliations with investment companies, recordkeeping providers or TPA’s
  • We serve you in a transparent fee-based Registered Investment Advisor (RIA) capacity

Securities & Investment Advisory Services Offered Through M Holdings Securities Inc.
A Registered Broker / Dealer And Investment Advisor, Member FINRA/SIPC
The JKJ Companies Are Independently Owned And Operated

Check the background of this Firm and/or investment professional on FINRA’s BrokerCheck.

 

Benchmarking and Vendor Search

  • We bring to bear a suite of benchmarking capabilities and reporting
  • We perform value analysis, always examining fees in context of scope, quality, and complexity of service deliverables
  • We compare total cost versus services rendered by plan record keepers, TPA’s, and investment advisors
  • We engage in plan design optimization analysis to determine your most budget-efficient plan structure
  • We quarterback the vendor search process with a highly-focused and cost-efficient RFP methodology

Securities & Investment Advisory Services Offered Through M Holdings Securities Inc.
A Registered Broker / Dealer And Investment Advisor, Member FINRA/SIPC
The JKJ Companies Are Independently Owned And Operated

Check the background of this Firm and/or investment professional on FINRA’s BrokerCheck.

 

Participant Services and Education

  • We will optimize your employee experience and maximize YOUR return on the time and dollars committed
  • We create your Education Policy Statement and oversee it
  • We customize your education plan, providing both group, as well as 1-on-1, meetings

Securities & Investment Advisory Services Offered Through M Holdings Securities Inc.
A Registered Broker / Dealer And Investment Advisor, Member FINRA/SIPC
The JKJ Companies Are Independently Owned And Operated

Check the background of this Firm and/or investment professional on FINRA’s BrokerCheck.

 

Beyond the 401(k): Key Employee Retirement Benefits

  • IRS limitations restrict key members of your team from saving adequately in their 401(k) plan
  • We have unmatched expertise in designing highly versatile non-qualified deferred compensation (NQDC) plans
  • Simple concept: a selective “401(k)-like” plan for top talent with no contribution limits and no discrimination tests
  • Enable key employees to save salary, bonus, and commission pre-tax and tax-deferred beyond 401(k) limits
  • Empower those in the highest tax brackets to control the timing of their taxable income and manage their tax bills
  • Strategic talent management tool to enhance retention and reduce key employee turnover costs via “golden handcuffs”

Securities & Investment Advisory Services Offered Through M Holdings Securities Inc.
A Registered Broker / Dealer And Investment Advisor, Member FINRA/SIPC
The JKJ Companies Are Independently Owned And Operated

Check the background of this Firm and/or investment professional on FINRA’s BrokerCheck.