Pacific Financial Group Takes Major Steps to Lower 401k Fees for Investors

In a significant move aimed at enhancing customer satisfaction and improving investor outcomes, The Pacific Financial Group, Inc. (TPFG) has announced a series of reductions to fees associated with its self-directed brokerage account (SDBA) windows. This initiative underscores the firm's ongoing commitment to providing transparent and cost-effective investment solutions for individuals participating in retirement plans like 401(k), 403(b), and 457.

Effective from March 31, 2025, TPFG will eliminate the 12b-1 fee, which previously amounted to 0.10% of its PFG Single Ticker Model (STM) Funds. By reducing this fee to a remarkable 0.00%, TPFG ensures that investors retain a higher percentage of their returns, thereby maximizing their potential growth over time. This bold initiative supports the firm’s mission to improve investor outcomes by making it easier for them to access quality financial advice without the burden of excessive fees.

Chris Mills, CEO of TPFG, commented, "Lowering fees and eliminating the 12b-1 charges reflect our fiduciary duty to put clients first. By moving to I Shares, we're delivering institutional-quality investment models while empowering advisors to help retirement plan participants build stronger financial futures." This statement emphasizes the firm's dedication to prioritizing client interests while offering sophisticated financial tools tailored to meet varying risk appetites.

Furthermore, TPFG’s transition from R-Shares to I-Shares represents a strategic upgrade in their investment offerings. I-Shares are typically designed for institutional investors, providing enhanced benefits such as lower expense ratios and greater investment efficiency. This shift is anticipated to bolster the firm's range of services, particularly enhancing the award-winning Strategy PLUS solution – a platform that boasts over 30 expertly managed model portfolios catering to a diversity of investment strategies.

Through Strategy PLUS, financial advisors now have access to a more refined and diversified set of investment options tailored to support their clients' retirement saving needs. This unique offering positions TPFG as a frontrunner in the retirement market, delivering valuable resources like risk assessment tools and a seamless paperwork solution powered by Smart IQ®, which simplifies client onboarding processes.

In collaborating with notable investment firms such as Capital Group | American Funds®, J.P. Morgan®, and BlackRock®, TPFG continues to leverage its significant industry relationships to provide clients with superior investment management solutions driven by experienced financial advisors across the nation. The aim is not only to minimize costs but also to enhance the overall investment experience for clients engaging with their group retirement plans.

For those interested in these changes, TPFG encourages financial advisors to connect with their Regional Consultants for insights on how these fee reductions and improved service offerings can positively affect their practices and benefit their clients. The firm has earned multiple accolades for its innovation in financial investment strategies, and these latest adjustments are part of its evolution as a leader in the asset management landscape.

By putting the power back in the hands of investors, TPFG is setting a new standard in fee management within the retirement sector. Investors and advisors alike can look forward to continued support and proactive advice designed to help them achieve their financial goals more effectively than ever. For more information on how to take advantage of these changes, visit TPFG's official website.

This move by The Pacific Financial Group reinforces its long-standing status as a pioneering force in the investment management industry, committed to innovation, transparency, and a client-first approach.