KREATIV WANTS YOU TO ENJOY YOUR 401(k) PLAN
We create and manage 401(k) plans (and other employer-sponsored retirement plans) for companies who want to take the headache out of the plan's management and want their employees to be better prepared for retirement.
Whether you have an existing retirement plan or are looking for a place to begin, we are here to be a resource for you now and in the future!
What is a 3(38) Fiduciary?
A plan sponsor appoints a 3(38) fiduciary to manage the investment process of the retirement plan and relieves the plan sponsor of their responsibilities for the investment manager's decisions. This person or entity becomes "solely responsible for the selection, monitoring and replacement of plan investment options".
ONLY
14%
of financial advisors can and do offer 3(38) fiduciary services.
6.3%
of financial advisors are considered retirement plan specialists.
SOURCE: CERULLI, U.S. DEFINED CONTRIBUTION DISTRIBUTION 2017: REEVALUATING THE USE OF CITs IN DC PLANS
SERVICES
PHILOSOPHY
Kreativ believes that a combination of the following qualities allow for our firm to continue to maintain and strive for long-term relationships with employers and employees:
SERVICE-ORIENTED
We strive to continually offer high-quality services for you and your employees.
FIDUCIARY
As a fiduciary, we want to make sure that what's provided is always in your best interest.
CONSISTENCY
We follow processes and schedules to make sure you and your employees stay on track.
EASE OF USE
We want to make your plan something that is easy and comfortable for you and your employees to understand and use.
LOW FEES
In this industry, high fees do not always translate into a higher quality of services. We make sure your fees are always appropriate.
ORGANIZATION
We stay organized and keep you organized with the management of the retirement plan.
about
kreativ
Justin Ladden
Chartered Retirement Plans Specialist (CRPS)
Accredited Investment Fiduciary (AIF)
TELL
Kreativ
CONTACT
Kreativ
Tel: 205.478.9088
Fax: 205.409.2162
Email:
3257 Cahaba Heights Road
Birmingham, AL 35243
