You want to help your employees prepare for retirement while building a future of your own. Longhouse helps you start a plan or take a closer look at the one you already offer.
We begin with what you want the plan to do for your business and the people who work there.
Offering a retirement plan brings decisions about contributions, eligibility, investments, and administration. We help you work through those choices with the appropriate providers.
A plan can keep running while your business changes around it. A review gives you room to ask whether the investments, costs, and support still meet your needs.
Your retirement plan involves more than an investment menu.
The Longhouse Retirement Blueprint starts with your goals and brings the investment, provider, and plan design conversations into a coordinated process. We help you understand the choices and the people responsible for each part.
"Does this plan fit our employees and our budget?"
"What are we paying, and what are we receiving?"
"Who is reviewing the investments?"
"Who do we call when we need help?"
We help turn those questions into a practical discussion about your plan.Longhouse helps employers make informed investment decisions and establish a process for reviewing them over time.
Our responsibilities are defined in the advisory agreement, so you can understand the support you are receiving from the beginning.
Help evaluate the plan's investment options, considering diversification, expenses, and their role in the overall lineup.
Discuss the investment advisory arrangement that fits your plan and clarify the decisions Longhouse will advise on or manage under the agreement.
Help you understand investment-related costs and compare the services included in provider proposals.
Revisit the investment approach and coordinate with the plan's providers as your business and needs develop.
We help you understand how the providers work together. Specific responsibilities depend on your plan and each service agreement.
Investment selection and monitoring support, discussion of investment costs, and an ongoing advisory relationship with the employer.
Support for plan documents, design decisions, required testing, and filings, as included in the administration engagement.
The systems that maintain participant account records and support contributions, transactions, and employee account access.
Provide accurate payroll and employee information, carry out the duties assigned to you, and stay involved in overseeing the plan and its providers. Hiring service providers does not remove all employer responsibilities.
Tell us about your business, employees, and what you want to accomplish. If you have a plan, tell us what is working and what is not.
For a new plan, we discuss your goals and provider options. For an existing plan, we identify the documents needed for a useful review.
We walk through the investment approach, provider responsibilities, proposed services, and fees before you decide how to proceed.
We coordinate our work with the selected providers and establish the ongoing investment review process described in your agreement.
Your current fee disclosures, investment lineup, and provider agreements are useful starting points. You do not need to gather everything before our first conversation.
Behind every retirement account is someone planning for life after work. That is the perspective we bring to helping employers.
Longhouse is an independent, Native-owned, father-and-son advisory firm in Encinitas. John and Dean Ferraro build relationships around clear communication, thoughtful investing, and the people the plan is meant to serve.
Yes. We begin with your business goals, workforce, and budget, then work with the appropriate providers to explore plan design, administration, and investment options.
Not necessarily. We first review your current arrangement and whether its platform supports the advisory services you want. Any recommendation to change providers should consider costs, services, and the transition involved.
Yes. We can help review available fee disclosures and discuss investment expenses and provider charges in the context of the services being delivered. A review does not guarantee lower costs.
Longhouse's role is investment advisory support. Payroll processing, plan administration, testing, and filings are handled by the employer and the relevant providers according to their agreements. We coordinate with those providers on matters related to our work.
No. Responsibilities depend on the plan and the services delegated. We explain Longhouse's investment role in writing, while your administration and legal professionals can help you understand the employer's remaining duties.
Costs depend on the plan, its size, the providers, and the scope of services. We discuss Longhouse's proposed advisory fee and help you understand the other provider and investment costs before you decide to proceed.
That is our standard minimum for adult private wealth relationships. Workplace retirement plans are evaluated separately based on the plan's needs and the proposed services.
Employees access their workplace retirement accounts through the plan's recordkeeper. The Client Login link on this website is for Longhouse brokerage clients using Interactive Brokers.
Start with your questions and a general picture of your business. If you already offer a plan, knowing the provider and approximate number of participants helps. We can identify any documents needed for a more detailed review afterward.
Whether you are starting fresh or reviewing an existing plan, let's talk about what would make it work better for your business.
People Over Profit.
187 Calle Magdalena, Suite 103
Encinitas, CA 92024
(760) 642-1100