Keith Berry is a partner and senior retirement plan consultant at M3 Financial, a consultancy team specializing in aiding various retirement plan clients, especially small to medium-sized companies.
In this article, we’ll delve into Keith Berry’s background and offer an overview of M3 Financial. Additionally, we’ll examine the Investment Adviser Public Disclosure (IAPD) report and other pertinent information to provide a comprehensive understanding of his role and the company.
Who is Keith Berry?
Keith Berry serves as a partner and senior retirement plan consultant at M3 Financial, a consultancy team dedicated to supporting a diverse range of retirement plan clients, particularly small to medium-sized companies.
With a focus on both employer support and employee retirement readiness, Berry plays a crucial role in guiding clients through the intricacies of retirement plans, fiduciary obligations, and regulatory environments.
Having earned a Bachelor of Science degree in business management from the University of Phoenix, Berry initiated his financial services career in 1997.
Over the years, he accumulated valuable experience in financial and investment advisory roles at prominent institutions such as The Standard, Principal Financial, Robert W. Baird, and Strong Capital Management before joining M3 in 2013.
As a senior retirement plan consultant, Berry draws upon his extensive knowledge to provide guidance and make necessary adjustments to plan designs based on the unique needs and goals of his clients.
It is worth noting that investment advisory services are offered through M3 Financial, a registered investment advisor and a separate entity from M3 Insurance.
Investors are strongly encouraged to use IAPD to research representatives before engaging in business with them.
It’s important to note that there is no disclosure reported against Keith Berry. This clean record enhances confidence in his professional standing, indicating an absence of any reported disciplinary actions or issues.
Major banks including Signature Bank and Silicon Valley Bank collapsed this year. Retirees like you and me lost millions of dollars while the White House bailed them out. I have personally invested in precious metals and made serious returns. You can request a free guide on gold investing using the button below:
The M3 Group, positioned as the leading non-bank mortgage originator in Canada, holds a prominent role in mortgage brokerage across the country.
With over 8,300 brokers and an annual loan volume exceeding $60 billion, the group, along with its subsidiaries like Multi-Prêts Mortgages, Mortgage Alliance, Invis, Mortgage Intelligence, Verico, Simplinsur/SimplAssur, M3 Tech, M3 Ventures, YourMortgageMarket.com, and Pinch Financial, is committed to being the top consumer ally for Canadians nationwide.
Functioning as an insurance broker, M3 assists in risk management, insurance procurement, and employee benefits provision.
Collaborating with clients on diverse areas such as property & casualty, employee benefits, personal lines, executive benefits, and employer-sponsored retirement plans, M3 emphasizes its commitment to being privately owned and independent.
This ensures that decisions prioritize the best interests of clients rather than the interests of Wall Street or private equity.
M3 Financial Services
M3 Financial provides a range of services to cater to diverse needs:
Employer-Sponsored Retirement Plans:
M3 Financial believes in integrating your organization’s retirement programs with overall employee benefits and risk control strategies. This approach boosts employee confidence in their financial future, leading to increased productivity, lower sick leave rates, reduced disability claims, timely retirements, and positive company culture perceptions.
Financial Education for Your Employees:
Recognizing money concerns as a significant source of stress, M3 Financial offers live and on-demand financial education for employees. This service, facilitated by their thought leaders and industry experts, contributes to overall employee well-being.
M3 Financial partners with organizations to design executive benefits programs addressing plan gaps and aiding in the attraction, hiring, and retention of top talent. These programs include features like supplemental disability, non-qualified retirement planning, deferred compensation, and executive bonus arrangements.
Life Insurance Planning:
M3 Financial offers guidance and tools for comprehensive life insurance planning, ensuring the protection of businesses, families, and estates. Services include life insurance, key person protection, buy/sell funding, disability income insurance, and long-term care insurance.
M3 recognizes the importance of financial security for employees. Through their in-house wealth advisor, Nick Natzke, they provide a best-in-class benefit to assist employees in financial planning and investment management, translating complex jargon into easy-to-understand advice.
Unfortunately, they do not offer IRA services in which investors can hold physical precious metals such as gold, silver, and platinum in their retirement investment portfolio.
Why Are Investors Diversifying Their Portfolio?
Experts agree that the financial market is now even more fragile than pre-2008. Will your retirement portfolio weather the imminent financial crisis? Threats are many. Pick your poison..
The financial system would be in great peril if one or more big banks fail.
“When we get to a downturn, banks won’t have the cushion to absorb the losses. Without a cushion, we will have 2008 and 2009 again.”
Student debt, which has been on a steep rise for years, could figure greatly in the next credit downturn.
“There are parallels to 2008: There are massive amounts of unaffordable loans being made to people who can’t pay them”
The US national debt has spiked $1 trillion in less than 6 months!
“If we keep throwing gas on flames with deficit spending, I worry about how severe the next [economic] downturn is going to be–and whether we have enough bullets left [to fight it],”
Total household debt rose to an all-time high of $13.67 trillion at year-end 2019.
“Any type of secured lending backed by an asset that is overvalued should be a concern… that is what happened with housing.”
Get in touch with an expert using the button down below:
Investing in gold can offer several advantages in 2024, particularly when it comes to retirement planning. One key benefit is that gold is often seen as a hedge against inflation.
Over time, gold has demonstrated the ability to retain its value and preserve spending power despite currency fluctuations. Given the current high inflation rates, experts suggest that increasing allocations to gold could be a wise move.
The Personal Consumer Expenditures (PCE) index, which measures Americans’ spending on goods and services, has been notably high, ranging from 6% to 7% in 2022—significantly above historical standards and the Federal Reserve’s target rate of 2%.
With expectations that the economy may not fully recover until 2025 or later, gold becomes an appealing investment option.
Diversification is another advantage of investing in gold. During economic downturns or recessions, the stock market and real estate assets may face challenges.
Gold, however, tends to be a reliable strategy for maintaining a diversified portfolio. This diversification helps reduce exposure to risky investments and minimizes the impact of potential losses.
Additionally, gold provides liquidity, a crucial factor during a recession. Liquidity refers to the ability to quickly sell assets for cash, which becomes essential in times of financial difficulty.
Gold stands out in this aspect, offering high liquidity compared to other assets like stocks, bonds, or real estate. Its ability to be easily converted into cash makes it a valuable investment during economic downturns.
The stability and value of gold, along with its liquidity, make it a compelling option for investors looking to navigate potential economic challenges in 2024 and beyond, especially in the context of retirement planning.
Keith Berry, a partner and senior retirement plan consultant at M3 Financial, brings a wealth of experience to the consultancy team dedicated to supporting a diverse range of retirement plan clients.
With a focus on integrating retirement programs with overall employee benefits and risk control strategies, Berry plays a crucial role in guiding clients through the complexities of retirement plans and regulatory environments.
The Investment Adviser Public Disclosure (IAPD) report for Keith Berry reflects a clean record with no reported disciplinary actions, enhancing confidence in his professional standing.
M3 Financial offers a comprehensive suite of services, including employer-sponsored retirement plans, financial education for employees, executive benefits, life insurance planning, and wealth management.
The commitment to being privately owned and independent underscores the priority of serving clients’ best interests.
In considering investment strategies for 2024, M3 Financial highlights the advantages of gold, citing its potential as a hedge against inflation, historical value retention, and liquidity during economic downturns.
Diversification, stability, and the ability to quickly convert to cash make gold a compelling option for investors navigating potential economic challenges in the context of retirement planning.