LPL Fiduciary Focus The Future of Your Company’s Retirement PlanAs an employer, you share the responsibility for guiding your employees toward making decisions that will afford them greater financial freedom in retirement. But here’s the quandary: Just as your workers look to you for financial guidance and advice, you must seek out an expert to help you navigate plan regulation and administration.Do the following issues look familiar to your retirement plan committee?New regulations that add to the complexity of administrationFiduciary pressures to provide prudent investment optionsTimely (and potentially complex) fee disclosures to your participantsOutside advisors whose allegiances are split between plan providers and investment managersWatershed regulations that require greater transparency about disclosing relationships between plan sponsors and their advisorsEmployees who feel they cannot afford to save, but are being courted by your competitors through their benefits programsConcerns over your employees’ retirement readinessYour need for competent, objective retirement plan and investment advice—from an advisor you can trust—has never been greater. That’s why your plan should work with an independent retirement plan advisor affiliated with LPL Financial.The advisor: A powerful extension of your retirement plan committeeFour key tenets for running an effective retirement plan drive the partnership between your retirement plan advisor and LPL:Unbiased advice: Your retirement plan advisor can act as a co-fiduciary of your plan under ERISA section 3(21) for ongoing investment advice. Our advisors are paid by you—and not by any product sponsor.Meaningful, timely information and research: An LPL retirement plan advisor can offer you deep industry insights and knowledge of the regulatory landscape that help enable you to make the best choices for your plan’s individual needs.Easy access to value-added investments and services: An LPL retirement plan advisor can deliver proprietary research that’s designed to help you tap the world’s most talented investment management teams.Unparalleled service: An LPL retirement plan advisor firm is committed to providing what you and your employees deserve and expect—great financial education at enrollment and one-on-one meetings.Today, LPL is the top independent broker/dealer in the country.1The firm was formed in 1989 through the merger of two small but successful brokerage firms: Linsco and Private Ledger. In 2010, LPL acquired certain assets of National Retirement Partners to form its retirement plan focused division, LPL Retirement Partners. Combining boutique focus with the strength and resources of a national brokerage firm, LPL boasts an elite corps of top ranked advisors coast-to-coast.21. As reported by Financial Planning magazine, June 1996–2016, based on total revenue.2. LPL advisors and advisor teams made up a third of the PLANADVISER 2014 Top 100 Retirement Plan Advisers List. Selected solely on quantitative factors, including plan assets and number as reported directly by nominees.