Broker Check

The Southbridge 401k Advantage

Objective Retirement Plan Consulting - Putting Your Interests First

At Southbridge Advisors, we’re not brokers, bankers, or insurance reps. As an independent financial services firm, we are held to a higher standard, undertaking the fiduciary responsibility to provide clients with unbiased, conflict-free advice, and full disclosure and transparency. As a result, we believe our clients can feel more confident in their plans and the guidance they receive from us, knowing our responsibility is to serve their needs first, last, and always.

We understand the biggest concerns today’s employers face in regards to their retirement plans: they want to improve their plan to attract and retain key personnel, lower overall costs, and work with a trusted professional who can assist them with their fiduciary responsibilities. With these needs in mind, we focus our services to address these issues.

Our 401k services are fee-based, without any commissions or hidden administrative fees. This means more of each employee's salary (and your matching funds) goes toward retirement. When we cut plan expenses by 20 to 50%, employees have more money for retirement.

Based in Atlanta, Georgia, we work with clients in the Atlanta area and seven different states. By choosing to work with our team, we believe clients benefit from:

A Results-Driven Fiduciary Process

Our Fiduciary Responsibility and Management Evaluation (FRAME℠) process provides a top-down, end-to-end analysis of your 401k program and your specific goals and objectives. It also uncovers the true cost of your current plan and identifies any present provider conflicts or plan liabilities. This is critical information that, up to now, may have been hidden, and it points to options that represent better returns, lower costs, and less risk. Through this process, we can proactively work together to implement the right plan and investment options that fuel bigger dreams.

Open Architecture 401k

By partnering with Southbridge Advisors, you and your employees receive real choices and real advice. Our independence affords employers over 20,000 investment options through leading custodians (including Matrix, Schwab, TD Ameritrade, and Fidelity) that we can customize for your workforce. Our advisors meet one-on-one with your employees to pinpoint the investments that best align with their specific needs, goals, and risk tolerance. The objective advice we offer is what brokers and sales reps are specifically prohibited from providing.

Doing What is BEST℠ for Your Business

Focus on running your business and let Southbridge Advisors manage your company retirement plan. We'll employ our proprietary BEST℠ process – Benchmark, Evaluate, Select, Transform – for the seamless implementation of a more effective, better performing 401k.

We also make it easy on company staff by providing the administrative services that normally fall on the shoulders of HR. Along with our partners, we take the responsibility for record-keeping, enrollment notification, loan processing, employee enrollment and education, investment advice, reporting, on-going communication, and investment liability. This leaves more time for you and your team to operate and focus on growing the business.

Professional Management & Institutional Funds

Through our robust platforms, clients have access to professionally managed models, the lowest cost institutional shares, Exchange Traded Funds (ETFs), Collective Investment Trusts (CITs), Guaranteed Investment Contracts (GICs), and FDIC insured funds. Saving on investment expenses means more available for your participants.

An Experienced Team

When you partner with Southbridge Advisors, you gain access to a team of industry-leading professionals with the experience and knowledge to review your unique circumstances, analyze the options available, and make best-practice recommendations. We are true fiduciary advisors, and under the Employee Retirement Income Security Act (ERISA) we meet the test of "prudent experts," a requirement when delegating responsibilities.