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Plan Representatives |
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PB&H Benefits, LLC (PB&H), Administrator
PB&H is the program provider of the American 401k as offered in this website.
PB&H is also the Administrator & Record Keeper of this 401k program.
PB&H provides 401k administration and record keeping to businesses in all 50 states with regional offices located in Waco, TX. With more than 85 years experience in the field of retirement plans, the founders of PB&H have created an organization of highly-skilled professionals committed to the diverse needs and expectations of their retirement plan clients. They are highly regarded within the industry of qualified plan service providers.
Pattillo, Brown & Hill, LLP, the parent company, is one of the oldest and most respected accounting firms in Texas. With over 100 professionals, they have been serving the business community for over 85 years, with offices in Waco, Temple, Hillsboro and Brownsville, Texas as well as Albuquerque, New Mexico. As an indication of their commitment to quality, Pattillo, Brown & Hill has undergone a number of peer reviews including the most recent in 2010 performed by Eubank & Betts.
At that time, the highest of the three ratings, “pass,” was assigned.
Their benefits professionals have various professional designations, including Certified Public Accountants, Accredited Retirement Plan Specialist and Certified 401(k) Plan Administrators. They are also Associate Professional Members in the American Society of Pension Professionals and Actuaries (ASPPA); and are members of the National Institute of Pension Administrators (NIPA), The American Institute of Certified Public Accountants (AICPA), The Texas Society of Certified Public Accountants (TSCPA) and The Society of Professional Asset Managers and Recordkeepers (SPARK). PB&H is a Certified Third Party Administrator of 401k plans and Cafeteria Plans. In addition to their professional affiliations, PB&H strives to maintain quality relationships with their financial partners to provide mutual clients with the highest quality of service.
PB&H is not an affiliate or subsidiary of MML Investors Services, LLC.
For more information, please visit the PB&H website at:
http://www.pbhbenefits.com/aboutus.php
Mid Atlantic Trust Company, Custodian
Mid Atlantic Capital Group, Inc. is the servicing arm for Counsel Trust Company, dba Mid Atlantic Trust Company. Mid Atlantic Capital Group, Inc. (MACG), specializes in many facets of 401k, 403b, and other retirement plan types including: directed trustee services, custody of assets, trading and settlement, and agent services.
Presently, Mid Atlantic Trust Company serves as Trustee/custodian for over $8 Billion in employee benefit assets nationwide.
RetirementDesigns.com
RetirementDesigns.com is a website promoting retirement plan services through John M. Novak, a 401(k) specialist at First Financial Group and a Registered Representative of MML Investors Services, LLC. RetirementDesigns.com is a registered dba. RetirementDesigns.com is copyright protected.
American 401k
American 401k is a complete-solution retirement plan program with ease of administration and straight-through processing of payroll contributions. The program is designed for businesses of 1 to 500 employees.
John M. Novak, Registered Representative
John M. Novak offers retirement plan services including comparative analyses of program providers, general direction on suitable retirement plan types and design, and investment research. John routinely provides investment education to the Plan Sponsor and participants throughout the stages of initial review, implementation, and monitoring.
John M. Novak is the qualified plans specialist at First Financial Group, a General Agency of Massachusetts Mutual Life Insurance Company (MassMutual). John is also a Registered Representative of, and investment advisor representative of MML Investors Services, LLC, a broker-dealer and Registered Investment Advisor subsidiary of MassMutual.
He has specialized in the 401k and retirement plan marketplace since 1986, representing businesses and non-profit organizations across the country.
Emphasizing his commitment to qualified plan support, John has continued extensive study through DOL and pension specialist schools, rigorous MassMutual specialist training, and ERISA fiduciary symposiums.
He attends PBGC and DOL seminars on a regular basis and is active with continuing education in the fi360 fiduciary studies program.
John holds the credential of Accredited Investment Fiduciary (AIF®).
AIF is the qualified plan industry's first and only professional designation that demonstrates knowledge and competency in the area of fiduciary responsibility and communicates a commitment to standards of investment fiduciary excellence. An AIF financial professional is also most proficient in supporting Trustees and fiduciaries in the design and implementation of their investment policies. John obtained the AIF designation to improve his understanding of those who hold fiduciary roles.
John has been a member of the Million Dollar Round Table, Oppenheimer Directors Council, MassMutual Top of the Council, MassMutual Blue Chip Circle, and MML Investors Services, LLC Advisors Club.
As an undergraduate, John represented The Vanguard Group of Investment Companies servicing small business retirement plans. His full-time career began with the Agency in 1986. John has maintained a focus on serving the needs of small to medium size businesses with the installation of new retirement plans and the assessment for conversion of existing plans. John's specialty is providing education to plan sponsors and participants.
John participates in the Mid-Atlantic Pension Study Group (MAPS) and lectures regularly on retirement planning to institutions and professional groups within the industry. He teaches CE accredited courses to agents, investment Representatives, attorneys, and CPAs in Pennsylvania, New Jersey and Delaware.
Committing time to the local community, John volunteer teaches an Applied Macro Economics class to high school seniors and middle school students through the national Junior Achievement Program. He is very active in his foundation, Children of Cali, dedicated to the education and engagement in learning for children in Colombia. John supports Kiva, a non-profit organization with a mission to create opportunity in the poorer nations of the world through gifting and micro-financing of no-interest loans to entrepreneurial businesses. John is also a volunteer with Little Brothers Friends of the Elderly, and Mommy’s Light.
John is also an energetic volunteer and dynamic builder with Corazon, a California non-profit organization that serves the poor in Mexico and Central America.
Corazon offers shelter, education, and community to thousands of our neighbors in northern Baja California and in the poorest states of Mexico.
On a monthly basis, John contributes to the improvement of local ecosystems and reforestation projects through PMBA. John lives in Gladwyne, Pennsylvania, suburban to Philadelphia, not far from the Worcester farm where he was raised.
Zachary Golen, Registered Representative
Zachary Golen is the secondary qualified plans specialist at First Financial Group, A General Agency of Massachusetts Mutual Life Insurance Company (MassMutual).
Zachary is also a Registered Representative of MML Investors Services, LLC, a broker-dealer subsidiary of MassMutual.
He has specialized in the 401k and retirement plan marketplace since 2005, representing businesses and non-profit organizations in a number of U.S. states including California, Texas, Florida, Maryland, Pennsylvania, New Jersey, and New York. Zachary has maintained a focus on serving the needs of small to medium size businesses with the installation of new retirement plans and the assessment for conversion of existing plans. Zachary’s specialty is providing education to plan sponsors and participants.
Emphasizing his commitment to qualified plan support, Zachary has continued extensive study through retirement specialist classes, ERISA/DOL, and industry publications.
Committing time to the local community, Zachary volunteers with Big Brother Big Sister Foundation.
He lives in Philadelphia, Pennsylvania and serves business customers on a national basis.
MML Investors Services, LLC
MML Investors Services, LLC®, (a wholly owned subsidiary of MassMutual), founded in 1981, is a broker-dealer
and registered investment advisor that helps clients achieve their financial goals by offering a wide array of competitive investment
products and services including mutual funds, variable annuities and variable life insurance, brokerage accounts, portfolio
management services, unit investment trusts, and direct participation programs. It provides its Registered Representatives access to a sizeable universe of investment choices, including mutual funds and securities brokerage services.
MML Investors Services, LLC, in its capacity as a registered broker-dealer with the Financial Industry Regulatory Authority (FINRA),
http://www.finra.org/, and member Securities Investor Protection Corporation (SIPC),
http://www.sipc.org/, offers a wide
range of securities products and services. MML Investor Services, LLC is also registered with the Securities and Exchange Commission (SEC),
http://www.sec.gov/, and offers investment advisory services in its capacity as a registered investment advisor.
MassMutual Financial Group
MassMutual Financial Group is a marketing designation (or fleet name) for Massachusetts Mutual Life Insurance Company (MassMutual)
MassMutual’s family of companies serves the needs of its clients by providing a broad-based portfolio of financial products and services, including: retirement plan products and services, life insurance, annuities, disability income insurance, long-term care insurance, and mutual funds.
Massachusetts Mutual Life Insurance Company, Founded in 1851, with over 150
years of experience, MassMutual is a global, growth-oriented financial services
organization comprised of member companies with more than $500 billion in assets
under management as of December 31, 2007.
MassMutual. the flagship firm of MassMutual Financial Group, provides financial services including life insurance, annuities, and retirement programs. MassMutual's clients include businesses and individuals. The company also offers disability income insurance, long-term care insurance, structured settlement annuities, and trust services (through The MassMutual Trust Company, FSB). MassMutual Financial Group is a marketing name for MassMutual and its affiliate companies and sales representatives.
MassMutual Subsidiaries
MML Investors Services, LLC (MMLISI) is a wholly owned subsidiary of MassMutual.
MMLISI is a registered broker-dealer, providing its Registered Representatives with a sizeable universe of investment options including mutual funds and securities brokerage services.
Through MML Insurance Agency, LLC, another MassMutual subsidiary, registered representatives have access to group variable annuities and other retirement investment products from a multitude of well-respected insurance and investment companies.
MassMutual Financial Group includes Massachusetts Mutual Life Insurance Company (MassMutual), plus its subsidiaries OppenheimerFunds, Inc., a mutual fund company; Babson Capital Management LLC, a full-service investment advisor serving the institutional, corporate, 401(k), high-net-worth and insurance company markets; Cornerstone Real Estate Advisers, LLC, a real estate equities firm; MassMutual International, LLC, which has operations in Chile, Hong Kong, Japan, Luxembourg, Macau, and Taiwan; MML Investors Services, LLC, a broker-dealer offering mutual funds and other investment opportunities; The MassMutual Trust Company, FSB, providing fiduciary, private investment and trustcustody services; Antares Capital Corporation, a commercial finance company; Baring Asset Management Limited, one of the most respected global investment-management firms, whose Baring Brothers & Co. roots date to 1762; and MML Bay State Life Insurance Company and C.M. Life Insurance Company, subsidiaries providing variable life insurance and other insurance and annuity products.
MassMutual has offices in every state in the United States.
MassMutual's headquarters are in Springfield, Massachusetts.
First Financial Group
First Financial Group is a general agency of the Massachusetts Mutual Life Insurance Company (MassMutual) and currently serves clients in Pennsylvania, Delaware, New Jersey, New York, and many other states (per licensing by its individual representatives).
The headquarters in Bala Cynwyd, PA provides training, technical support and administrative services to a network of affiliated offices throughout the Tri-state region.
First Financial Group associates are an organization of highly trained professionals who are backed by a team of product specialists.
The specialists have years of combined experience in financial resource analysis, estate analysis, retirement planning, college funding, business continuation, executive fringe benefits, and employee group benefit programs and investment products.
First Financial Group’s mission is to help business and individual clients attain their financial goals.
Commonly, these include insurance protection, business continuation, saving for retirement, and wealth accumulation.
First Financial Group has a long standing tradition of providing the highest level of service with integrity, objectivity and quality representation.
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Important Information
All administrative and record keeping services are offered by PB&H Benefits, LLC.
The custodian trust company is Mid Atlantic Trust Company (MATC), providing a state-of-the art trading and reporting system that integrates record keeping, trust accounting, and straight-through processing with access to over 16,000 mutual funds in underlying accounts.
All investments are offered by Registered Representatives of MML Investors Services, LLC, Securities are distributed through MML Investors Services, LLC, Member, SIPC. Supervisory Office: 2 Bala Plaza Suite 901 Bala Cynwyd, PA 19004 Tel (610) 660 9922.
Investment education is provided by Registered Representatives of MML Investors Services, LLC.
Note that our role as financial professionals, with respect to the 401k plan, is not to provide investment advice. We offer employee education including fund information and portfolio design using models that match the employee's intended level of risk and investment goals.
In no way do we endorse any recommendations, advice, or opinions contained in Information developed by third party providers and mentioned in this website. We merely provide access to such information as a convenience to help you consider your design and investment selections. Any investment decisions you make are based solely upon your evaluation of financial circumstances and investment objectives, in the best interests of your Plan.
Mutual Funds are sold by prospectus. You should carefully consider a fund’s investment objectives, charges, expenses, and risks before investing. The fund's prospectus, which can be obtained online (or hard copy) by calling your Registered Representative, contains this information and other facts about the fund. Please read the prospectus carefully before you invest or send money.
We do not offer tax planning or legal advice. Please consult your CPA or attorney for specific tax implications and legal matters pertaining to your Plan.
Registered Representative Information
John M. Novak is a Registered Representative of and offers securities and investment advisory services through MML Investors Services, LLC, Member, SIPC.
Supervisory Office:
First Financial Group
2 Bala Plaza Suite 901
Bala Cynwyd, PA 19004
Tel (610) 766 3014
Administrative and record keeping services offered by PB&H Benefits, LLC, and custodian services offered by Mid Atlantic Trust Company are not sponsored or offered through First Financial Group or MML Investors Services, LLC. PB&H and MATC are not affiliates or subsidiaries of MML Investors Services, LLC.
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