Website Terms & Conditions

Encore 401k, LLC - Compliance Disclosures

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*(Source –US News & World Report – Money section survey of Financial Advisors 2022 and the number of subscribers for the primary Retirement Plan advisor support tools – Fi360 & RPAG – 2022 & 2023. 2798 advisors and 53 subscribers = 1.9%. Also, the less than 4% is consistent with proprietary financial advisor intel I used when working this region as an RPC & RVP).

Employee Education, Enrollment & Education Section

 **See Service Agreement for Details

Upon request from a Plan participant, Encore 401k, LLC will provide one-on-one advice to Plan participants regarding their individual situations, including consultation on Investment Options Available in the plan. These meetings require each participant sign an Encore 401k, LLC employee services agreement, outlining the scope of the meetings & advice. 

***See Service Agreement for Details

Encore 401K, LLC will provide education services to Plan participants about general investment principles and the investment alternatives available under the Plan.  Our assistance in participant investment education will be consistent with and within the scope of DOL Interpretive Bulletin 96-1.  Education presentations will not take into account the individual circumstances of each participant and individual recommendations will not be provided unless otherwise agreed upon.  Plan participants are responsible for implementing transactions in their own accounts.

****See Service Agreement for Details

Upon Client’s request, Advisor will provide analysis and recommendation to Client, on a one-time basis, about whether Client should maintain his or her Account under the Plan or rollover to an individual retirement account (“IRA”) or the retirement plan of a new employer of Client (if applicable). See Employee Service Agreement for details 

Fiduciary Compliance Section

* See Encore 401k, LLC Service Agreement for details

For Fiduciary Consulting Services, all recommendations of investment options and portfolios will be submitted to you for your ultimate approval or rejection.  For retirement plan Fiduciary Consulting Services, the retirement plan sponsor client or the plan participant who elects to implement any recommendations made by us is solely responsible for implementing all transactions.

 Encore 401K, LLC acknowledges that in performing the Fiduciary Consulting Services listed ( in the Service Agreement) that it is acting as a “fiduciary” as such term is defined under Section 3(21)(A)(ii) of Employee Retirement Income Security Act of 1974 (“ERISA”) for purposes of providing non-discretionary investment advice only. 

See Encore 401k, LLC Service Agreement for details.

 ** See Encore 401k, LLC Service Agreement for details

If you utilize any of Encore 401K, LLC’s Fiduciary Management Services, then Encore 401K, LLC will be acting as an Investment Manager to the Plan, as defined by ERISA section 3(38). Working at the Plan level, Encore 401K, LLC provides continuous and ongoing supervision over the Plan’s designated retirement assets. We can have discretionary authority to make all decisions to buy, sell or hold securities, cash or other investments for the designated retirement plan assets in our sole discretion without first consulting the employer-sponsor of the Plan.

Investment Menu Engineering & Monitoring Section

*“The Paradox of Choice” by Barry Schwartz

 **See Encore 401k, LLC Service Agreement for details.

Encore 401K, LLC acknowledges that in performing the Fiduciary Consulting Services listed ( in the Service Agreement) that it is acting as a “fiduciary” as such term is defined under Section 3(21)(A)(ii) of Employee Retirement Income Security Act of 1974 (“ERISA”) for purposes of providing non-discretionary investment advice only.  

*** Development of qualified default investment alternative(s) (“QDIA”), as defined in DOL Reg. Section 2550.404c-5(e)(4)(i), 

**** See Service Agreement for details.

The client grants Encore 401k, LLC discretionary authority limited to making investment decisions, acting as an Investment Manager to the Plan, as defined by ERISA section 3(38).

Working at the Plan level, Encore 401K, LLC provides continuous and ongoing supervision over the Plan’s designated retirement assets.  Encore 401K, LLC will monitor the investment options of the Plan and add or remove investment options for the Plan. We can have discretionary authority to make all decisions to buy, sell or hold securities, cash or other investments for the designated retirement plan assets in our sole discretion without first consulting the employer-sponsor of the Plan.

*****develop and actively manage qualified default investment alternative(s) (“QDIA”), as defined in DOL Reg. Section 2550.404c-5(e)(4)(i),

Website Terms & Conditions

Please read the following terms and conditions (“Terms and Conditions”) carefully before using this website. 

Encore 401k, LLC. (“Investment Adviser”) is an investment advisor firm with its principal place of business located in Driggs, Idaho.  Encore 401k, LLC and its investment adviser representatives are in compliance with the current registration requirements imposed upon registered investment adviser firms by those states in which we maintain clients. Encore 401k, LLC may only transact business in those states in which it is registered or qualifies for an exemption or exclusion from registration requirements.  

Important information describing Encore 401k, LLC’s business operations, services, and fees can be viewed on the SEC’s website at www.adviserinfo.sec.gov. Encore 401k, LLC will provide its Form ADV disclosure brochure, which serves as the firm’s disclosure document, to all clients.  Copies are also available to interested parties upon request. 

For detailed information about Encore 401k, LLC’s investment adviser representatives who may serve retail clients, you may also visit www.adviserinfo.sec.gov and view background information about such investment adviser representatives. 

This website is published in the United States for residents of the United States. Encore 401k, LLC is not soliciting business in international jurisdictions where it is not registered. 

This website is intended for informational purposes only. Despite our efforts to be accurate, these pages may contain errors and information that is no longer current. The information published on this website is subject to change on a regular basis without notice. This website should not be regarded as a complete analysis of the subjects discussed. 

Past performance is not indicative of future results. Therefore, no current or prospective client should assume that future performance of any specific investment or investment strategy (including the investments and/or investment strategies recommended or undertaken by Encore 401k, LLC) made reference to directly or indirectly by Encore 401k, LLC in its website, or indirectly via a link to an unaffiliated third party web site, will be profitable or equal the corresponding indicated performance level(s). 

Different types of investments and/or investment strategies involve varying levels of risk, and there can be no assurance that any specific investment or investment strategy (including investment strategies detailed on this website by Encore 401k, LLC) will be either suitable or profitable for a client's or prospective client's portfolio and may result in a complete loss of principal. 

Nothing on this website should be constructed as a solicitation or offer, or recommendation to acquire or dispose of any investment or to engage in any other transaction. Investment Adviser does not render or offer to render personal investment advice or financial planning advice through our website. 

Viewing or utilizing information on this website, or contacting or responding to our offices or investment adviser representatives does not create an investment advisory relationship of any kind. An investment advisory relationship can only be established and investment advice can only be provided after the following three events have been completed: (1) our thorough review with you of all the relevant facts pertaining to a potential engagement; (2) the execution of a written engagement and fee agreement; and (3) delivery of the Form ADV disclosure brochure. 

Encore 401k, LLC uses links to other web sites in an effort to assist users in locating information on topics that might be of interest to them. We cannot attest to the accuracy of information provided by linked sites. Linking to a web site does not constitute an endorsement by Encore 401k, LLC of any of its employees of the sponsors of the site or the products presented on the site. Technical problems with outside links, other than a link that has been moved or changed, should be reported to the entity that maintains the site. 

Our website is provided to you without charge as a convenience and for your information only. By providing access to our website content, we do not warrant nor represent the following: 

• the content is accurate or complete;
• the content is up-to-date or current;
• we have a duty to update any content;
• the content is free from technical inaccuracies or typographical errors; and
• your access to our website will be free from interruptions, errors, computer viruses, or other harmful components. 

We do not assume any liability for these matters. In other words, you use our website at your own risk. Under no circumstances, including but not limited to negligence, shall we be liable for any direct or indirect, special, incidental or consequential damages. This includes loss of data or profit arising out of the use or the inability to use the content of this website, even if one of our representatives has been advised of the possibility of your damages. Some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages. In such jurisdictions, our liability is limited to the greatest extent permitted by law.