Ownership SST Benefits Consulting & Insurance Services, Inc. is an investment adviser registered with the Securities Exchange Commission (SEC) since April 2017. We are a corporation formed under the laws of the State of California. SST Benefits Consulting & Insurance Services, Inc. was acquired by NFP Retirement Inc. (“NFPR”) on September 6, 2016 which is a federally registered as an investment adviser. (referred to in this brochure as “Adviser” or “SST” or “we”). However, SST will maintain its separate registration as an investment adviser. NFPR provides comprehensive qualified and non-qualified retirement plan consulting, investment advice and fiduciary due diligence services, employee plan and investment education, asset allocation services, plan service provider proposal and provider research and analysis, and plan design guidance to individuals, qualified and non-qualified retirement plan sponsors, and business entities. NFPR is owned by or under common control with NFP Corp., which also owns, or is under common control with, other registered investment advisers, broker-dealers, insurance agencies and other product and service providers (“NFP Affiliates”). To the extent we may recommend that you purchase or sell products and services from or through NFP Affiliates and these NFP Affiliates and our firm may receive compensation as a result of such recommendations. A recommendation that you purchase or sell products or services by or through an NFP Affiliate is a conflict of interest since it could result in increased compensation to an NFP Affiliate. This conflict is mitigated by the fact that NFPR and other NFP affiliates are operationally independent and do not collaborate in marketing materials or service offerings. A client is not required to utilize such products and services and there is no assurance that services or products from an NFP Affiliate are provided at the lowest cost. General Description of Primary Advisory Services We offer personalized advisory services to benefit plan sponsors (i.e., 457(b), 401(k), 401(a), 403(b), etc.) that can include:
• Investment performance reviews
• Development and maintenance of investment policies
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Requests for proposals
• Fiduciary training for plan decision makers
• Health and welfare employee benefit consulting These can be both fiduciary and non-fiduciary consulting services. Detailed descriptions of our services are provided in Item 5, Fees and Compensation, so that clients and prospective clients (“client” or “you”) can review the description of services and fees charged together. Specialization We specialize in governmental deferred compensation and defined contribution plans. Please see Item 5, Fees and Compensation, for details regarding these services. Limits Advice to Certain Types of Investments. We limit our investment advice to the following types of investments:
• Certificates of deposit
• Variable Insurance Products
• Mutual fund shares
• Stable value and fixed accounts including, but not limited to, General Account annuity products, Separate Account annuity products, Guaranteed Accumulation Accounts (GAAs), Guaranteed Investment Contracts (GICs), Bank Investment Contracts (BICs), Money Market instruments and Intermediate Term fixed income securities with a duration of 5 years or less. Tailor Adviser Services to Individual Needs of Clients Our services are always provided based on your specific needs. You are given the ability to impose restrictions on your accounts, including specific investment selections and sectors. However, we will not enter into an investment adviser relationship with a client whose investment objectives may be considered incompatible with our investment philosophy or strategies or where the prospective client seeks to impose unduly restrictive investment guidelines. Wrap-Fee Program versus Portfolio Management Program In traditional management programs, advisory services are provided for a fee but transaction services are billed separately on a per-transaction basis. In wrap-fee programs, advisory services and transaction services are provided for one fee. We do not provide asset management services and we do not act as a portfolio manager of or sponsor wrap fee programs. Client Assets Managed by Adviser We do not provide asset management services.