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ALERUS FINANCIAL PURCHASE OF PENSIONTREND 
News - December 6, 2011

PensionTrend, Inc. and PensionTrend Investment Advisors, LLC reached an agreement to merge its retirement practice with Alerus Financial, a $10.45 billion diversified financial services company headquartered in Grand Forks, ND.

PensionTrend, Inc. and PensionTrend Investment Advisers, LLC have entered into an agreement to merge its retirement plan administration practice and investment advisory services with Alerus Financial, effective February 1, 2012. The union between PensionTrend and Alerus is a good fit. Both companies share a client-centric focus and are mutually committed to client needs. Combining the resources and talents of both organizations allows for services to be expanded nationally while maintaining the quality service clients have come to expect.

 

Merger Press Release

Click here for more information.

 

Alerus Financial Solutions Website

For more information on Alerus, please click here to visit their website.

 

  
RETIREMENT PLAN SPECIALISTS 

Offering retirement benefits to your employees just got easier. In today's work environment a solid retirement plan can mean successful employee recruitment and retention.

PensionTrend specializes in helping organizations offer retirement programs to their employees. As a third-party administrator, tasks such as recordkeeping, determining eligibility, keeping track of account balances, completing tax returns and issuing distributions are all removed from your to-do list. We work directly with your employees to coach them on the right choices for their individual circumstances. In other words, we manage your retirement plan business so you can manage your business.


How to Maximize Your Financial Future

Plan. You need to begin planning for your financial future today. The earlier you begin, the easier it will be for you to reach your retirement goals. Here are some tips on planning for your financial future and maximizing your retirement benefits:

  • Contribute to a tax-deferred retirement plan. If your employer offers a tax-deductible deferred compensation plan, such as a 401(k), 403(b), or 457, take advantage of it. Try to invest as much money as possible from your regular income BEFORE you spend it on anything else.
  • Eliminate retirement plan loan balances. If you have taken a loan from your retirement plan, pay it back to eliminate it as soon as possible. 
  • Review Social Security benefits. The Social Security Administration forwards all employees a summary of their Social Security benefits annually, a few months prior to the employee’s birth date. Review this; it contains important information concerning your accrued benefits and death benefits. You may contact the Social Security Administration at 1-800-772-1213 or visit www.ssa.gov for additional information.
  • Consult with a professional at PensionTrend Investment Advisers, LLC. We highly recommend you take advantage of our affiliation with PTIA, both upon entry into the plan and routinely as you near retirement. To learn more about PensionTrend Investment Advisers, LLC and its services, go to www.PTadvisers.com.

 



 

Investment Advisory Service offered through PensionTrend Investment Advisers LLC, a Registered Investment Advisor.

PensionTrend Investment Advisers, LLC is a Registered Investment Advisor registered with the Securities Exchange Commission. This website is for information purposes only, and does not constitute a complete description of our services or performance. The information contained in this website is not a solicitation to sell securities or investment advisory services where such an offer would not be legal. Information on this site, whether charts, articles, research papers or any statement regarding market or other financial information is obtained from sources we believe to be reliable. Finally, past performance is not a guarantee of future performance.

  
Investor Alert 

December ended up being fairly uneventful in terms of returns for stocks, both domestically and abroad.

 

For the month, the S&P 500, our large cap stock benchmark, was up 1.0%, the Russell 2000, a small cap index, was up 0.7% and the MSCI EAFE Index, an international stock index, was down 1.0%. Bonds as measured by the BarCap US Aggregate Bond Index, were up 1.1%.

 

For all of 2011, the S&P 500 finished up 2.1%, the Russell 2000 was down 4.2%, the MSCI EAFE Index was down 12.1% and the BarCap US Aggregate Bond Index was up 7.8%.

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