Retirement Income Planning

We utilize the "DLAK way" to help develop an understanding of your goals and dreams for retirement and help you prioritize those values. We work with you to construct a personalized retirement income stream that works to give you the freedom and flexibility to help achieve your objectives.

Education Planning

Higher education is expensive and the cost is growing. It's best to have a plan for making the most of your education savings, and parents today have more choices than ever to help save for college. We can help you determine which method is appropriate for you and your family. We then help you maintain your education savings investments until your children are through with their education.

Estate Planning

A well designed estate plan can help you become more confident that you and those you care for most will enjoy the security of your assets. Though we do not practice law, we will work with you and your legal advisors to help make sure your estate investment plan reflects your goals and objectives for your family and that your assets function as intended with that plan. Please be sure to consult a licensed estate planning attorney when designing your estate plan.

Tax Planning Strategies / Charitable Giving

Financial decisions made in the course of building and distributing a portfolio can have a profound impact on your tax situation. It is important to understand and analyze the impact of your decisions on your taxes whenever possible. We will help you understand the tax benefits and ramifications of various portfolio, investment, and charitable alternatives. We are happy to work with your tax professionals to review your specific tax situation.

Insurance Planning

A sound risk management plan often starts with insurance, and we can help you assess your needs and review your existing coverage. We are not selling you insurance products. Instead, we are working with you to help develop a customized insurance and risk management strategy that fits in with your long term financial planning goals. We will help you understand your risks and address the potential need for life, disability, and long-term care insurance. We will also detail the impact of health care costs and insurance on your financial planning goals. When necessary, we will work with your existing insurance professionals or connect you with specialists to help facilitate changes or additions to coverage.

Portfolio Management

We work to understand and analyze your financial needs, your vision for the future, and your comfort level of investment risk to deliver a cost conscious, tax sensitive strategy that helps to achieve the targeted return with the least amount of risk. Using the efficient frontier concepts as a starting point, Rob will use a portion of a client’s portfolio and invest those into his “best ideas” which is determined by current macroeconomic conditions, client needs, as well as sector and style-based allocation shifts.

Risk Management

Every person has a somewhat unique attitude and comfort level of investment risk. We at DLAK have developed a personalized risk management tool aimed at assessing a client’s unique risk level and financial situation. This risk plan is revisited periodically or as life events occur in order to find the right balance for your needs.

401(k) | 403(b) | Profit sharing | Defined Benefit | MEP | Executive Compensation

At DLAK, our goal is to help you manage a successful and cost-effective retirement plan that helps you attract and retain valuable employees and helps prepare them for life in retirement. You can rely on our experienced advisors to:

• Understand the complex retirement plan marketplace
  
• Consistently track industry trends
  
• Continually educate ourselves and our clients on the latest legal and regulatory standards
  
• Strive to consistently place the best interests of your plan and its participants first
  

Retirement Plan Consulting Services

We address your needs across all aspects of plan operations—including plan conversion, service provider changes, investment menu updates, vendor benchmarking and employee communications. And we meet the needs of participants by providing plan enrollment and 401(k) rollover assistance, objective insights on investment allocations, and ongoing employee education.

Plan Search Support/Vendor Analysis

We can assist you with the preparation, distribution and evaluation of Request for Proposals, finalist interviews, and conversion support.

We are both vendor and investment neutral which allows us to act as true independent consultants.
We work with industry-leading retirement plan services providers and plan administrators to help meet a broad range of retirement plan needs.

Benchmarking Services

We provide you with comparisons of Plan data (e.g., regarding fees and services and participant enrollment and contributions) from the Plan’s prior years and/or a benchmark group of similar plans. With access to sophisticated investment tools and objective research, we are able to examine a broad range of providers and generate detailed reporting and comparisons.

Assistance Identifying Plan Fees

We help you identify fees and other costs borne by the Plan for investment management, recordkeeping, participant education, participant communication and/or other services provided with respect to the Plan.

Our comprehensive Retirement Plan Consulting Services can include:

• Assistance with Investment Policy Statement preparation and review
  
• Investment Monitoring and Recommendations
  
• Changes in Investment Options
  
• Qualified Default Investment Alternative
  
• Performance Reports
  
• Plan Search Support/Vendor Analysis
  
• Benchmarking Services
  
• Identifying Plan Fees
  
• Plan Committee Education
  
• Plan Participant Enrollment and Education
  
• 404(c) Assistance