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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 Experience (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 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 enhance 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 and 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 experience 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 and 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. The JKJ Companies is a member of M Financial Group. Please go to for further details regarding this relationship.
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
Registered Representatives are registered to conduct securities business and licensed to conduct insurance business in limited states. Response to, or contact with, residents of other states will only be made upon compliance with applicable licensing and registration requirements. The information in this website is for U.S. residents only and does not constitute an offer to sell, or a solicitation of an offer to purchase brokerage services to persons outside of the United States. CA Insurance License #0F84447
This site is for information purposes and should not be construed as legal or tax advice and is not intended to replace the advice of a qualified attorney, financial or tax advisor or plan provider.

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