PGW lion shieldPGWFinancial

401(k) Advisors

Employee education

A plan works best when people understand it. Education sessions explain features, choices and trade-offs in everyday language, and are general rather than individual advice.

Request a plan review
Licensed Pexels still

Formats

Short on-site or virtual sessions, written handouts and Q&A time. Topics can include how contributions work, what an employer match is, how investment choices differ and what to do when leaving a job.

See the Workshops page for event details. Email or call Tim to inquire; attendance requires direct confirmation.

Boundaries

Education covers general concepts. It does not tell any employee what to invest in or whether to participate. Employees with personal questions are encouraged to seek individual guidance.

Questions worth asking

  1. 01What do employees say they find confusing about the plan?
  2. 02When do new hires first hear about the plan?
  3. 03Who answers employee questions between sessions?

Limits and risks

Educational material is general. It is not individualized investment, tax or legal advice.

PGW’s investment advisory role

PGW Financial LLC offers ERISA Section 3(21) investment advisory fiduciary services only. PGW provides fiduciary investment advice and recommendations; the plan sponsor or other authorized plan fiduciaries retain decision-making authority for plan investments. PGW does not provide ERISA Section 3(38) discretionary investment management. Specific responsibilities are defined by the written engagement.

Related article: Employee education that employees actually use

Request a plan review

More in this division

Plan reviewA structured, written walk through plan design, investments, participation and administration.Fiduciary servicesERISA Section 3(21) fiduciary investment advice and recommendations, with investment decisions retained by authorized plan fiduciaries.Fee benchmarkingIdentify potential savings and service improvements through plan-specific fee and provider comparisons.Plan sponsor resourcesA curated starting list of primary-source government material for people who run a retirement plan.