Photo of 401k financial advisor Stephen Palm talking to a coworker over desk with paperwork at HFG Trust.

A qualified team for your ever-changing business needs

We provide business owners with the products and services needed to effectively manage assets while planning for the future. Our team of experts will work with you one-on-one to develop a comprehensive qualified plan tailored to accomplish the goals you have set for your business, your employees, and your family.

why HFG trust

new plan services

New Plan services

There are many types of retirement plans, each with their own benefits, features, and levels of complexity and cost. Whether you are a solo operation or have several employees, HFG Trust can help you tailor a plan to best fit the needs of your business.

existing plan services

existing plan services

Our 401(k) team provides holistic, fiduciary focused services to both retirement plan sponsors and plan participants:

For Plan Sponsors

INVESTMENT MANAGEMENT

Our experienced team conducts ongoing investment research. Depending on the level of service desired, we can provide investment lineup recommendations or directly manage your plan's investment menu.

PLAN DESIGN

We offer ongoing plan design review, as well as annual due diligence assistance to meet the needs of both the plan sponsor and the plan participants.

ADMINISTRATIVE SUPPORT

We work hand-in-hand with your third party administrator to complete yearly tasks required to keep your sponsored plan in compliance with ERISA regulations.

For Plan Participants

EDUCATION

Participants have access to ongoing investment guidance, along with the education and support they need to make saving a priority.

FINANCIAL PLANNING

Our team of Certified Financial Planners™ are available to provide one-on-one financial planning tailored to your employees' individual circumstances.

enrollment meetings

Our 401(k) team conducts enrollment meetings to cover relevant information regarding your retirement plan and answer questions designed to help employees make contributions with confidence.

FIDUCIARY STANDARD

As a fiduciary, we are legally required to put the needs of the trustee(s) and participants ahead of our own. Additionally, 3(21) and 3(38) fiduciary service options reduce the plan sponsor's liability.

Fiduciary Standard

As a fiduciary, we are legally required to put the needs of the trustee(s) and participants ahead of our own. Additionally, 3(21) and 3(38) fiduciary service options reduce the plan sponsor's liability.

Benefits of working with a 3(38) fiduciary advisor

There are three primary methods of managing a retirement plan and each one carries a varying degree of fiduciary responsibility.

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option 1

Plan Sponsor/Corporate Trustee makes all decisions regarding the retirement plan and bears the risk for the investment selections and investment costs.

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option 2

Hire a 3(21) Investment Fiduciary that recommends to the Plan Sponsor (The Employer) an appropriate investment line up. The Plan Sponsor maintains the responsibility and liability as the final authority for the plan investments.

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option 3

Hire a 3(38) Discretionary Investment Fiduciary by delegating the decision making and liability for selecting, adding, changing and replacing the investment line.

401k Team

Stephen Palm, CFP®

Financial Advisor

Megan Nichols, CFP®

Financial Advisor

Sawyer Dalmer

Wealth Planner

Martha Gonzalez

Client Services Consultant