Connecting you to a retirement plan performs over 90% of all your administrative duties.

Every Successful Company, No Matter The Size, Should Offer A Retirement Solution.

WE BELIEVE. . . THAT Employers’ personal liability for their 401(k) plans should be put on our shoulders to the fullest extent that the law allows. THAT Employees should not have to fend for themselves but should receive no cost 1:1 financial advice about their 401(k) investment options. THAT Employees should receive state-of-the-art ongoing Financial Wellness Education to prepare them for successful retirements. THAT the administration of 401(k) plans should be done by us, not Employers. THAT 401(k) plan expenses should be transparent and reasonable. THAT all reporting, compliance and audits of 401(k) plans should be done by us, not Employers. SIMPLE. COMPLETE. EFFECTIVE.

Powered By

The APO 401(k) Retirement Plan Exchange®, powered by TAG Resources.

The APO 401(k) Retirement Plan Exchange® is a powerful tool for your company.

You can attract and retain top talent. You can maximize your opportunities to save for your own retirement.

Department of Labor random audits can be costly for your business!

The IRS penalty for late filing of a 5500-series return is $25 per day, up to a maximum of $15,000. The DOL penalty for late filing can run up to $1,100 per day, with no maximum.

We Have Solutions.

Most Employers Have Concerns About Having a 401(k)

Compliance Issues​​

In 2020, 67% of companies randomly audited by the DOL failed the audit, resulting in Billions in fines and penalties.
Tag Resources administrative process is designed to meet DOL random audit requirements on a realtime basis.​

Huge Liability

Employers often do not know the liability they take on. Some employers who understand this are unlikely to want the risk. 
APO and TAG Resources, as named fiduciaries on your plan, will mitigate liability risk for you.

Overpriced Plans​

Small business owners are sometimes already financially stretched and cannot afford a high priced retirement solution that works. TAG is the answer other companies retirement providers cannot match.
The APO 401(k) Retirement Plan Exchange® is a “pooled” retirement plan, meaning that we pool many company plans together. This lowers our client's prices and provides them with some of the most extensive services in the industry.

Administration​

When offering a retirement plan to your people, you're held to the highest standards under the law.  If you don't have the required expertise in house, you need to hire professionals to help you stay compliant with ERISA in offering the best plan to your employees.
Administration on the plan is done by TAG Resources. TAG Resources employees are all trained on ERISA law and TAG has ERISA lawyers on staff and on retainer.

Managing your own retirement plan can be a big administrative burden.

With APO and TAG Resources at the helm of your retirement plan, you can stay on top of your business, knowing that the day-to-day responsibilities of your plan are being looked after.

Plan Administrator Responsibilities

TAG performs over 90% of administrative duties.

How does our plan Overcome all of the concerns listed above?

By using The APO 401(k) Retirement Plan Exchange® trusted providers.

401(k)

WE BELIEVE. . . THAT Employers’ personal liability for their 401(k) plans should be put on our shoulders to the fullest extent that the law allows. THAT Employees should not have to fend for themselves but should receive no cost 1:1 financial advice about their 401(k) investment options. THAT Employees should receive state-of-the-art ongoing Financial Wellness Education to prepare them for successful retirements. THAT the administration of 401(k) plans should be done by us, not Employers. THAT 401(k) plan expenses should be transparent and reasonable. THAT all reporting, compliance and audits of 401(k) plans should be done by us, not Employers. SIMPLE. COMPLETE. EFFECTIVE.

Fiduciary-Plus was created to partner with advisors as we strive to provide the best-in-class services to plan sponsors and their plan participants. Fiduciary-Plus helps a business owner/plan committee manage fiduciary liability by engaging RPA to accept responsibility for investment decisions as an ERISA defined 3(38) discretionary investment manager. But the services don’t stop there. Fiduciary Plus also offers: plan governance education webinars and certificates, benchmarking of services and fees, and a fiduciary vault to support the storage of vital documentation.

APO Financial Services, LLC is a Denver based SEC Registered Investment Advisor. APO’s founders, John Goodhue and Brian Gray, are nationally known Educators, Best Selling Authors, Speakers, and Wealth Advisors, recognized by various media such as
NBC, ABC, CBS and Fox network affiliates and Fortune, Money, Bloomberg Business, Market Watch, Wall Street Select and others. As authors of Opportunity Zones: THE Biggest Tax Break Ever (2019), Smiling Through Retirement (2018) and I Love
Annuities! (2020), Co-Authors of Retire Like a Shark (2019), Giving Transforms You (2018) and Retire Abundantly (2017) and Co-Creators of The Smiling Through Retirement Process™, they have been interviewed by Kevin Harrington, original Shark on the multi EMMY® Award-winning TV series, Shark Tank, and by James Malinchak, featured on ABC TV’s Hit Series, Secret Millionaire. They have also interviewed such notables as Country Music star Martina McBride, Fox News host Sean Hannity and renowned economist Roger Ibbotson. At APO Financial, John, Brian and their team endeavor to empower people to safely grow, protect and spend their hard-earned money so that they can enjoy a Happily Ever After Retirement®.

TAG Resources ensures your plan reaps long-term rewards with easier day-to-day operations. As the largest end-to-end retirement plan provider in the US, TAG is recognized nationally for pioneering unique Retirement Programs. The Multiple Employer Program™ is our newest innovation, bundling retirement plans together in a service model previously only available for very large companies.

There you have it.

The Best Retirement Plan We’ve Ever Built. Interested? Let Us Tell You More. Contact Us Now.

Financial Advisor Contact

John Goodhue

7205882000

10155 Westmoor Dr. Suite #125 Westminster, CO 80021 US

Retirement Plan Exchange® is a registered service mark of Transamerica. The Exchange is not a multiple employer plan (MEP). Unlike an MEP, certain plan qualification and ERISA requirements are applied at the individual plan level. An employer participating in an Exchange retains certain fiduciary responsibilities, including responsibility for retaining and monitoring the 3(16) plan administrator, for determining the reasonableness of its fees, and for periodically reviewing the Exchange as a whole. Before adopting any plan you should carefully consider all of the benefits, risks, and costs associated with a plan. Information regarding retirement plans is general and is not intended as legal or tax advice. Retirement plans are complex, and the federal and state laws or regulations on which they are based vary for each type of plan and are subject to change. In addition, some products, investment vehicles, and services may not be available or appropriate in all workplace retirement plans. Plan sponsors and plan administrators may wish to seek the advice of legal counsel or a tax professional to address their specific situations. Investment Manager 3(38) services when offered are provided by [3(38) Investment Manager]. All companies referenced are separate and unaffiliated organizations. Logos and trademarks are the intellectual property of their respective owners.

Disclosure: Investment advice is offered through APO Financial Services, LLC (“APO”) 10155 Westmoor Drive, Suite 125 Westminster, Colorado 80021-2627, an investment adviser registered with the Securities and Exchange Commission. Registration with the SEC should not be construed to imply that the SEC has approved or endorsed qualifications or the services offered, or that or its personnel possess a particular level of skill, expertise or training. Important information and disclosures related to APO are available at https://apofinancial.com. Additional information pertaining to APO’s registration status, its business operations, services and fees and its current written disclosure statement is available on the SEC’s Investment Adviser public website at https://www.adviserinfo.sec.gov.

Information relating to annuities is intended for educational purposes only and should not be construed as comprehensive or all inclusive. Therefore, it should not be regarded as a complete analysis of the subjects discussed and should not be used to make an investment decision.

Responsibilities Without TAG

  • 3(38) Investment Manager Appointment
  • 402(g) Limit Reporting
  • 404(a)(5) Notice Distribution
  • 404(c) Notice Distribution
  • 408(b)(2) Notice Distribution
  • Annual Discrimination & Coverage Testing
  • Audit Completion Support
  • Audit Firm Hiring & Monitoring
  • Auto Enrollment Notice Distribution
  • Beneficiary Designation Form Maintenance
  • Beneficiary Determinations
  • Blackout Notice Distribution
  • Census Review
  • Corrective Distributions
  • Death Benefit Approval
  • Distribution Reporting
  • DOL and IRS Issue Resolution Assistance
  • Eligibility Calculations
  • Eligibility Notifications
  • Employer Contribution Monitoring
  • ERISA Bond Review
  • Error Correction Monitoring
  • Fiduciary Insurance Coverage Review
  • Force Out Processing
  • Form 5330 Preparation, Signing, & Filing
  • Form 5500 Preparation, Signing, & Filing
  • Form 8955 Preparation, Signing, & Filing
  • Fund Change Notice Distribution
  • Hardship Withdrawal Approval
  • Loan Approval & Reporting
  • Loan Default Monitoring
  •  Loan Policy Administration
  • Lost Earnings Calculations
  • Participant Enrollment Assistance
  • Payroll Aggregation
  • Payroll File Aggregation
  • Plan Design Review
  • Plan Document Interpretation
  • Plan Document Preparation & Archiving
  • Plan Irregularity Notification
  • QDIA Notice Distribution
  • QDRO Determinations & Reporting
  • Quarterly Investment Review Meetings
  • Rate Changes Monitoring & Reporting
  • Required Minimum Distributions
  • Safe Harbor Notice Distribution
  • SAR Production & Distribution
  • SMM Notice Distribution
  • SPD Production & Distribution
  • Spousal Consent Approvals
  • Termination Date Verification & Maintenance
  • Termination Withdrawal Approval
  • Top Hat Preparation, Signing, & Filing
  • Trustee Duties
  • Vesting Verification & Tracking
  • Year End Data Collection & Review

These are your responsibilities with TAG

Upload Payroll Files to TAG

Monitor TAG

Provide Year-End Data for Testing