We help business owners increase investment returns and mitigate fiduciary risk through proven 401K plan design strategies
For the average retirement plan participant (age 40, income $44,000, starting account balance $40,000) a poorly designed 401K plan can result in
of additional work
of additional work
lost investment savings
We help business owners improve these investment outcomes while lowering their fiduciary risk
Business owners hire us as their retirement plan advisor because they want...
MITIGATED FIDUCIARY RISK
Sponsoring a 401(k) plan is more than just time consuming and complicated, it also places legal responsibilities on you, the business owner, as the plan’s fiduciary. Your fiduciary’s responsibilities under the rules of ERISA are recognized as the “highest known to the law.” As a plan sponsor, how will you demonstrate that you have fulfilled your legal obligation? Given the expertise and specialization necessary to manage your plan, many plan sponsors like you choose to employ the services of a registered investment advisor.
As your adivsor we will reduce your legal liability and regulatory risk by serving as an “Investment Manager” under Section 3(38) of ERISA, which allows you to delegate your responsibility of designating a menu of investments for participants. You monitor us and the reasonableness of our fees, and we select, monitor and update the plan’s investments.
LOWER FEES / HIGHER RETURNS
High investment fees are the hidden killer of investment portfolios, and your retirement plan is likely riddled with them. The average mutual fund fee is 1.25%, and over 90% of active fund managers underperform their benchmark.
We dramatically lower your plan's fees while also avoiding manager underperformance by using low cost, passive ETFs and mutual funds. Passive fund fees average 0.18%, a fraction of active fund fees, and have little to no underperformance versus their benchmark because they are designed to track the benchmark.
Lower and more transparent fees coupled with eliminating active manager underperformance puts your company's plan and your own & employees retirement assets in a position to deliver superior wealth building.