The key to outperforming the market lies in not following the herd but taking advantage of buying opportunities. A retirement plan adviser who prioritizes client communication and participant education is key to help navigate volatility. Periods of market uncertainty are the exact right times to scrutinize your adviser because you may have the most to gain or lose.

A “Set it and forget it” strategy to managing your 401(k) has the potential to miss opportunities, costing you and your employees significant returns. As the world changes, so should your funds. A fund may have seemed like the right one based on its track record when it was chosen. But because performance, strategies, managers and fees change regularly, the best fund today may not be the best fund tomorrow.

Starting a retirement plan is exciting. It’s one of the most powerful savings tools the government gives business owners and employees. Use this small business retirement plan toolkit to get started. Inside has important How-To Information, Tools to help you along the way, and Checklists.

Review the three key steps to starting a 401(k): Choose your partners, set your goals, and start saving.

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Business owners in CA, OR, NJ, CT, and IL either do or will have to offer a retirement plan, but it doesn’t have to be the state-offered retirement plan. If a business offers a 401(k) (or other qualified retirement plan), they meet the state’s requirements. For a quick comparison of state-mandated IRAs to other retirement plans, check out this comparison chart.

Here are the top five reasons why a 401(k) plan with Fisher Investments can do more for you—and your business—than a SEP or SIMPLE IRA.