With more than 70 years of combined experience, my team, The Kral-Brown Group, has focused on working with retirement benefit plan sponsors to design and service all types of 401(k) plans. Working in a consultative capacity, with the support of a talented, knowledgeable and a skilled team of professionals, I enjoy working with employers to help employees invest for retirement in a way that makes sense for them, while increasing the overall effectiveness of the company's retirement benefit plan. Defined contribution arrangements, primarily 401(k) and profit sharing plans, are essential retirement savings vehicles for American workers. While these plans are extremely valuable benefits for employees, from the plan sponsor's perspective, they can be complex and time-consuming to manage. Making a defined contribution plan work for your employees requires good plan design, administration, communication and education. I am qualified to offer guidance on tailoring investment menus to an organization's specific needs, as well as providing long-term investment support. Equally important, we can help you design effective programs to educate employees and encourage plan participation. It brings me great satisfaction to support the sponsors of plans that started small, have grown and thrived. Company retirement plan sponsors and participants can benefit from my team's vast knowledge in the retirement plan industry. Our service philosophy consists of assisting you in assessing, analyzing and addressing the specific needs of your plan to maximize its value to your company and its employees. This includes helping to manage fiduciary risk, minimizing plan expenses, streamlining investment selection, and educating plan participants on a variety of different topics that will hopefully lead to financial success and achieving their life goals.