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Frequently asked retirement plan questions

Do I have flexibility in how my company plan is designed?
Yes.  AMG National Trust Bank will help custom design a plan to meet the unique needs of your business and your employees.

Am I restricted to proprietary mutual funds or insurance products?
No.  We do not manage our own mutual funds, nor are we aligned with subsidiaries that do.  Our focus is on improving your plan’s return on investment not earning commissions on investments we recommend.

Does my advisor earn commissions on recommended investments?
No.  Our “best-of-breed” investment recommendations are neither product-driven nor commission based.

Is my advisor really readily accessible?
Yes.  You can directly call or e-mail your advisor instead of navigating an anonymous recorded phone tree or dealing with an impersonal call center.

Are fees disclosed up front?
Yes.  In many instances, you will find that our plan services are more cost-effective than so-called “free” plans.

Can the employer pay plan fees?
Yes.  We’ll identify which fees the employer can pay and which fees can be passed along to the plan.

Will you consult with me and review my plan once it is up and running?
Of course.  We proactively consult with you on an ongoing basis.  We also review your plan once a year and provide compliance analysis to assist in meeting your fiduciary duties as plan sponsor.

Investment products: Not FDIC insured • No bank guarantee • May lose value