Welcome to Geller Group

Participant Investment Guidance

Our web technology provides investment guidance to help plan participants make the difficult savings and investment decisions required by their participation in a self-directed defined contribution plan. Our web technology utilizes our recordkeeping system, including the participant's 401(k) deferral rate, account balance and plan asset investment values to recommend specific asset class allocations and 401(k) deferral rates. Our online investment guidance falls within the Department of Labor's safe harbor, relieving the plan sponsor of fiduciary liability for the recommendations provided to plan participants.

The Geller Group is dedicated to providing innovative solutions to meet your participant communication needs. Our participant investment guidance online service enables you to inform, educate and advise your participant investors in today's dynamic and challenging environment. Our interactive online guidance service provides a single source solution for investment guidance, mutual fund prospectuses, semi-annual and annual reports, web tools and educational content. This guidance:

Educates the participant with respect to his/her investment options.
Recommends specific asset class allocations to each participant.
Provides information and tools to select mutual funds within each asset class.
Records participant choices and returns investment decisions to the recordkeeping system.
The strategy builder allows the participant to develop an infinite number of "what if" scenarios by changing assumptions to determine the appropriate 401(k) contribution rate.

The online participant calculators include:

Paycheck calculator to demonstrate the effect of pre-tax savings on participant take-home pay.
Loan calculator to compute monthly payment amounts.
Plan loan calculator to determine the impact of taking a loan, including the monthly loan payment and the opportunity cost of a loan on the participant's account.
College planner to determine the estimated monthly savings required to meet college tuition requirements for up to ten children.
Distribution planner to help participants determine which distribution options are most beneficial for their personal situation.
Required minimum distribution calculator to determine the required minimum distribution amount for plan participants who reach age 70½ in accordance with Internal Revenue Service guidelines.

Our service model provides plan participants with multiple points of contact enabling them to become confident 401(k) savers and fund investors. Our employee communications specialists work with your investment professional to conduct on-site group employee meetings using PowerPoint presentations and customized enrollment kits. Our specialists also conduct one-on-one employee counseling sessions with plan participants. Participants may telephone our toll free number or e-mail our Participant Hotline with any plan related questions or requests.

To speak to someone regarding our services, please refer to our contact information.