TTG 401k

We Can Make Your 401(k) Plan Better

TTG Financial Inc. is a Registered Investment Advisor and Fiduciary. We always act in your best interest — no cookie-cutter solutions, only tailored strategies to improve your 401(k).

Why Retain TTG Financial as Your 401(k) Administrator?

TTG Financial is a Registered Investment Advisor (RIA), a Fiduciary. Taking on fiduciary responsibility is the highest legal duty from one party to another. We are fee-only, so we do better when you do better. We do not sell products like insurance or annuities — we work WITH you and FOR you.

401(k) Analysis & Administration Services

401(k) Analysis & Administration

Regular reviews, plan structure improvements, and fiduciary oversight.

401(k) Investment Options

Proprietary asset allocation for better diversification.

401(k) Administration Fees

Lower fees through Institutional/Wholesale pricing.

401(k) Structure & Communication

Clear employee communication to prevent compliance risks.

Your 401(k) should be an asset, not a liability.

We specialize in turning underperforming, inefficient, or costly 401(k) plans into valuable employee benefits that drive growth and retention.

12 Common 401(k) Mistakes Plan Sponsors Must Avoid

As a plan sponsor, you carry the responsibility of compliance, fiduciary oversight, and participant outcomes. These 12 common mistakes can cost your plan time, money, and credibility. Here’s how to recognize and avoid them.

Not Understanding or Monitoring Fees

Many plan sponsors overlook hidden costs buried in funds and services. Read More

Failure to Update Your Plan

Outdated plan documents can lead to compliance issues and penalties. Read More

Failure to do Discrimination Testing

Annual testing ensures plans don't favor highly compensated employees. Read More

Failure to Test Top Heavy Plans

Small plans may need special testing to protect lower-paid employees. Read More

Not Keeping Up with Reporting Obligations

Missing Form 5500 deadlines can result in significant penalties. Read More

Failure to Conform Participant Loans

Improper loan procedures can create qualification defects. Read More

Delayed Payment of Deferrals

Late contributions create prohibited transactions under ERISA. Read More

Inaccurate Definition of Compensation

Proper compensation definitions are key to error-free plan operation. Read More

Too Little Diversity Among Investment Options

Diversification reduces risk and protects retirement savings. Read More

Not Understanding Your Role as Fiduciary

Fiduciary responsibilities require adherence to strict ERISA rules. Read More

Not Reviewing Service Providers

Regular provider reviews ensure reasonable fees and performance. Read More

Not Having a Fidelity Bond

Required insurance protection against losses from fraud or theft. Read More

Trusted Expertise, Proven Results

20+ Years of Experience

100s of Educational Meetings Conducted

Serving Northeast Ohio & National Clients