American Trust is committed to being simply better. Our retirement solution has a very dynamic and unique process. You will not find a similar solution or service in the industry. Our competitive advantages—Plan Design, Fiduciary Oversight, Investments, Cost Efficiency, Service, and Technology—set us apart from all others.
As a plan sponsor, you are a fiduciary of your retirement plan and are responsible for making decisions in the best interest of plan participants and their beneficiaries. If this responsibility is neglected, you may be held personally liable. So, what does fiduciary oversight mean at American Trust? Peace of mind. We alleviate fiduciary responsibilities by offering discretionary trustee and §3(38) investment management services-the greatest levels of protection possible.
According to the Iowa State Trust Association, we are one of only two providers offering discretionary trustee services in Iowa. As a discretionary trustee, we can lessen concerns by assuming and managing specific responsibilities for a plan, and advise plan sponsors on required legal and compliance responsibilities, including Internal Revenue Code and IRS Regulations, ERISA, Department of Labor regulations, and general trust laws. In a time when participants are becoming more involved in their retirement plan, naming a discretionary trustee is an important step in reducing potential liability.
Read more at our Fiduciary Info page to learn how discretionary trustee services provide you the most protection and why you should hire a discretionary trustee and §3(38) investment manager.
Our approach to plan design is unmatched in the industry. We take the time needed to understand your business, provide multiple plan design options, and recommend the solution that best fits your specific needs - all at no additional cost. We specialize in complex plan designs. Concerned about discrimination? Don't be. American Trust designs a plan that benefits each individual on different levels while following all requirements of the Internal Revenue Service.
We take care of your plan investment options, leaving you more time to focus on what you do best, your business. Through our rigorous process, we research thousands of funds, seeking those with specific profiles, each adhering to a different investment style. We are committed to identifying quality managers that not only have a successful track record, but are likely to repeat their success. We seek to use institutional share class pricing when possible, providing you the best investments at the lowest price. As a discretionary trustee and §3(38) investment manager, we assume responsibility for the selection, continual monitoring, and removal of investment options within your retirement plan.
In addition to providing our own proprietary investment management services, we have partnered with several highly successful portfolios managers to enable plan sponsors to bring a wider variety of options and risk levels to participants. These managers employ differing investment themes and disciplines; therefore, allowing American Trust to provide a truly unbiased and diversified approach to active money management.
To be competitive, it is important fees are flexible. Our structure does just that. We take a proactive approach, and ensure full disclosure by complying with fee regulations, disclosing all fees in statements, outlining true costs for the plan sponsor, and remaining unbiased by not accepting compensation from mutual fund companies. We also take the time to educate participants on the impact of costs for their retirement account
We focus on you. Whether you are a plan sponsor or participant, we are committed to providing excellent service and personalized attention. We take a "life stages" approach to retirement education. From the first day of saving and long into retirement, we ensure you will understand your specific retirement needs and promise continual support. We conduct group enrollment meetings, presentations, one-on-one consultations, and provide educational programs to encourage participation, and offer ongoing educational support. Find out more about American Trust Retirement's award-winning service.
Our customized, state-of-the art ATBlueprint® program is designed to meet the needs of participants by focusing on "retirement readiness." We take innovative steps to continually advance the retirement experience. Our exclusive features include:
Are you ready for retirement? The Participant ATBlueprint is a powerful process that aids you in becoming ready for retirement. It draws your path to retirement by defining your relationship between your current and future income needs, projecting your beneficiary's monthly benefits, estimating annual costs of long term-care insurance, and suggesting ways to increase the your retirement balance.
The Plan Sponsor ATBlueprint helps plan sponsors provide the tools needed to retire successfully.
This tool illustrates at a plan level how prepared the plan sponsor's employees are for retirement by outlining overall plan health, age segmented comparison, detailed year-by-year comparison, and participant investment profiles.
Are you someone who likes to keep an eye on the balance of your retirement account? If so, we have an original and unmatched solution and most unique way of receiving and viewing your account balance in the industry. eBal is an easy, convenient, and instantaneous way of receiving weekly, monthly, or quarterly updates of your account balance by text or email. All you have to do is sign up!
Our participants have the option to receive a secure electronic copy of their quarterly account statements. At the end of each quarter, they receive an email notifying them that their statement is ready to view. Sign up by logging into your retirement account!