Retirement Services

Bringing a fresh perspective.

Retirement Services to Help Employees Plan for the Future

The Johnson Companies (the former parent company of Johnson, Kendall & Johnson until 1992) created the very first 401(k) plan for itself before taking the concept to its clients. Today Johnson, Kendall & Johnson operates a fiduciary advisory & consulting practice laser-focused on retirement benefit plans for small & mid-size employers.

Broad Plan Expertise (plan types)
  • Defined Contribution: 401(k), 403(b), profit sharing, 457(b) & (f)
  • Defined Benefit: traditional, Cash Balance, frozen plan termination strategies (e.g. de-risking techniques and terminal annuities)
  • Employee Stock Ownership Plans (ESOP) and repurchase obligation funding
  • Non-qualified deferred compensation: Top Hat, NQDC, LTIP, SERP, Phantom Equity, 401(k) “mirror”
Benchmarking and Vendor Search
  • We bring to bear a suite of benchmarking capabilities and reporting
  • We perform value analysis, always examining fees in context of scope, quality, and complexity of service deliverables
  • We compare total cost versus services rendered by plan record keepers, TPA’s, and investment advisors
  • We engage in plan design optimization analysis to determine your most budget-efficient plan structure
  • We quarterback the vendor search process with a highly-focused and cost-efficient RFP methodology
Independence & Transparency
  • We work for you, advocating on your behalf
  • We are completely independent from any affiliations with investment companies, recordkeeping providers or TPA’s
  • We serve you in a transparent fee-based Registered Investment Advisor (RIA) capacity
Participant Services and Education
  • We will optimize your employee experience and maximize YOUR return on the time and dollars committed
  • We create your Education Policy Statement and oversee it
  • We customize your education plan, providing both group, as well as 1-on-1, meetings
Fiduciary Services and Investment Oversight

  • We align our interests with yours by sharing in the fiduciary liabilities and risks of YOUR plan
  • We provide a suite of fiduciary services encompassing both 3(21) and 3(38) formats
  • We guide your selection and monitoring of plan investments
  • We help you create and maintain your Investment Policy Statement (IPS)
  • We use process-driven screening and analytical tools in unison with our many years of knowledge and experience
Beyond the 401(k): Key Employee Retirement Benefits
  • IRS limitations restrict key members of your team from saving adequately in their 401(k) plan
  • We have unmatched expertise in designing highly versatile non-qualified deferred compensation (NQDC) plans
  • Simple concept: a selective “401(k)-like” plan for top talent with no contribution limits and no discrimination tests
  • Enable key employees to save salary, bonus, and commission pre-tax and tax-deferred beyond 401(k) limits
  • Empower those in the highest tax brackets to control the timing of their taxable income and manage their tax bills
  • Strategic talent management tool to enhance retention and reduce key employee turnover costs via “golden handcuffs”

Securities & Investment Advisory Services Offered Through M Holdings Securities Inc.
A Registered Broker / Dealer And Investment Advisor, Member FINRA/SIPC
The JKJ Companies Are Independently Owned And Operated.
Check the background of this Firm and/or investment professional on FINRA’s BrokerCheck.

For important information related to M Securities, refer to the M Securities’ Client Relationship Summary (Form CRS) by navigating to https://mfin.com/m-securities.

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One of our insurance advisors will reach out to you to review your information and present you with the appropriate solution. There’s no obligation, just good-old-fashioned advice.