The ML Kerns Difference What makes us different? We offer the most flexible, comprehensive, turn-key retirement solution, at often ½ the price of our competitors. Plan features and highlights include:

Fully-Customized Solution
We focus exclusively on helping you design, implement and maintain the right plan for your company and your employees.

Objective Recommendations We are under no obligation to sell you specific products or services and are free to help you select the most appropriate solution for your employees.  We are a fee based provider – not commission driven – so you rest assured that our advice is independent and objective.

Complete Investment Flexibility

• True Open Architecture. Choose “Best-in-Class” mutual funds from thousands of no load, no transfer fee funds from the best fund families.
• Actively Managed Portfolios. Through our affiliate, Kerns Capital Management, Inc., a SEC registered investment advisor, we offer professionally managed portfolios that have a proven track record of outperforming the markets. Let KCM make the day-to-day buy and sell decisions. Great for participants who don’t have the time, experience or desire to manage their accounts.
• Target Date/Lifestyle Funds
• Individual Brokerage Accounts
• No Proprietary Fund Requirements

On-Line Investment Advice
We provide on-line recommendations tailored to the investment options in your plan.

Fiduciary Oversight
Our affiliate, Kerns Capital Management, Inc., a SEC registered investment advisor, will advise you as a co-fiduciary in the prudent selection and monitoring of the fund’s investment options as required under ERISA.

Fee Transparency

• No HIDDEN or BURIED fees. We clearly disclose all fees. You will not need to research multiple documents to determine your actual expenses.
• Asset reporting at Net Asset Value (NAV). No Fund Expense Ratio Manipulation. No Fund Unitization. No Sub Accounting. See your fund performance in the newspaper and on the web.

UNCOMPROMISING CUSTOMER SERVICE
We will do whatever it takes to keep your plan healthy and participants happy.