For Coresential Employees

Your 401(k), with a team behind it

Signature Financial Solutions works with Coresential to support your retirement plan year-round. Whether you're enrolling for the first time, changing your contributions, or planning what comes next, you'll always know who to call and where to find answers.

Schedule a Meeting New Employee? Start Here

A dedicated team you can reach directly
Quarterly service calendar, so support isn't just at enrollment
Planning tools for taxes, estate documents, and financial wellness

How we support your plan

Our goal is a proactive service model: every employee knows who to contact, has convenient access to financial resources, and receives meaningful education and guidance throughout the year—not just during enrollment periods.

Quarterly Service Calendar

A published calendar of reviews, education sessions, and planning reminders each quarter, so you know what's coming and when.

Online Appointment Scheduling

Book time with the team directly—no phone tag. One-on-one meetings are part of your plan's services.

Dedicated Team Contacts

Real people with direct phone lines and email addresses. See Your Team below.

New Employee Enrollment

A clear, step-by-step enrollment process with help available at every step. See Enrollment.

Employee Education

Articles, videos, calculators, and live sessions on retirement, investing, taxes, and everyday money decisions.

Ongoing Communications

Regular updates on plan news, deadlines, and educational topics—delivered throughout the year.

Quarterly service calendar

A sample of what each quarter looks like. The current calendar with specific dates is shared through plan communications.

January – March

Annual plan kickoff and contribution limit updates
Tax-season support, including 1040 reviews
New year financial checkup meetings

April – June

Mid-year investment and risk tolerance reviews
Employee education session
Beneficiary and estate document checkup

July – September

New employee enrollment support
Financial wellness spotlight
One-on-one planning meetings

October – December

Year-end tax planning and Roth conversion reviews
Contribution deadline reminders
Looking-ahead planning for the new year

New employee enrollment

Joining the plan is straightforward. Here's what to expect, and we're happy to walk through any step with you.

Receive your enrollment materials

You'll get plan information and enrollment instructions when you become eligible. If you haven't received them, contact the team below.
Choose your contribution

Decide how much of each paycheck to contribute and whether to make pre-tax or Roth contributions. Not sure which fits your situation? That's a good first meeting topic.
Select your investments

Pick from the plan's investment lineup. A risk tolerance assessment can help you land on a mix you're comfortable with.
Name your beneficiaries

Designate who would receive your account. Keep this current after major life events like marriage or the birth of a child.
Meet with the team

Schedule a short meeting to confirm your setup and ask questions. It's included in your plan's services at no cost to you.

Financial planning resources

As part of our service commitment, Coresential employees have access to a suite of planning tools that goes well beyond the 401(k). Contact the team to get set up with any of these.

Financial Planning

eMoney®

A full financial planning platform that brings your accounts, goals, and projections together in one place.

Explore eMoney

Investment Risk

Nitrogen®

A risk tolerance analysis that puts a number on how much market movement you're actually comfortable with.

About the assessment

Tax Planning

Holistiplan®

1040 reviews, Roth conversion analysis, and tax planning strategies based on your actual return.

Explore Holistiplan

Estate Planning

Wealth.com®

Create wills, trusts, powers of attorney, health care directives, and more—available for employees to complete.

Visit Wealth.com

Financial Wellness

MyStages®

An educational platform with articles, videos, calculators, and planning tools for every stage of life.

Explore MyStages

Your team

Questions about the plan, your account, or anything money-related? Start here.

Rob Coleman, CLU®, ChFC®, AIF®

President & CEO

Over 30 years of experience in financial services, specializing in wealth management, insurance, and retirement planning.

813-868-6901 Email Rob

Xavier J. Pujol, CLU®, ChFC®

Investment Adviser Representative

Since 1991, Xavier has taken a holistic approach to financial planning, specializing in retirement income strategies.

813-868-6902 Email Xavier

General plan questions: ask@sfsfirm.com • Main office: 813-287-8800

Schedule a meeting

One-on-one meetings are part of your plan's services—there's no cost to you. Bring questions about enrollment, investments, taxes, or anything else on your mind.

Book a Time with Rob

Prefer the phone? Call Rob directly at 813-868-6901.

Frequently asked questions

How do I enroll in the 401(k) plan?

You'll receive enrollment instructions when you become eligible. Follow the steps in the enrollment section above, and reach out to the team if you'd like help at any point.

How much can I contribute?

The IRS sets annual contribution limits, and they typically change each year. Employees age 50 and older can usually make additional catch-up contributions. Contact the team for the current limits and what makes sense for your situation.

What's the difference between pre-tax and Roth contributions?

Pre-tax contributions lower your taxable income today, and you pay taxes when you withdraw in retirement. Roth contributions are taxed now, and qualified withdrawals in retirement are tax-free. Which is better depends on your current and expected future tax picture—a good topic for a quick meeting or a Holistiplan tax review.

Can I change my contribution amount later?

Yes. You can adjust your contribution rate, and many employees revisit it after a raise or at year-end. The team can walk you through how to make the change.

I have a 401(k) from a previous employer. What are my options?

You generally have several options, including leaving it where it is or rolling it over. Each has trade-offs, so talk with the team before deciding—they'll help you compare your options.

Does meeting with the team cost me anything?

No. One-on-one meetings and the planning resources on this page are part of the services provided to Coresential's plan.

Who do I contact with questions?

Rob Coleman at rcoleman@sfsfirm.com or 813-868-6901, or email ask@sfsfirm.com. See Your Team for full contact details.

Disclosure

Please direct all questions to ask@sfsfirm.com

Osaic Wealth Form CRS

The information provided is derived from sources deemed to be reliable. It is not intended as tax or legal advice, which we do not provide. Please consult legal or tax professionals for specific information regarding your individual situation.

The opinions expressed and material provided are for general information and should not be considered a solicitation for the purchase or sale of any security, which may only be sold by individual recommendation.

Securities and investment advisory services offered through Osaic Wealth, Inc. member FINRA/SIPC. Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth.

Coresential is not affiliated with Osaic Wealth or Signature Financial Solutions, LLC.

MyStages® is a consumer wellness program by Signature Financial Solutions, LLC.

eMoney®, Nitrogen®, Holistiplan®, and Wealth.com® are third-party platforms independent of Osaic Wealth and Signature Financial Solutions, LLC.

Signature Financial Solutions, LLC
1511 N Westshore Boulevard
Suite 1100
Tampa, FL 33607
Main Office: 813-287-8800 | ask@sfsfirm.com

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Coresential 401(k) Plan