Our Commitment... A Better Way to do the 401(k)
As a fee-only, no commission, independent Registered Investment Advisor we have a strong belief in the value of objective, professional investment counsel. Our goal is to bring the same quality of investment management we provide to our wealthy individual clients to the 401(k) marketplace.
We offer a program that provides expert, conflict-free advice to plan sponsors and their participants, and access to some of the most sought after investment vehicles in the world. In addition, the total plan costs are typically much lower than many of the programs offered by the large financial service providers such as insurance companies, stock brokers, and fund companies.
Retain employees and maximize owner savings
Studies show that one of the best ways of attracting quality workers is by offering great benefits. A custom designed 401(k) or 403(b) retirement plan can help your company hire and retain its talented, sought-after employees. It can also help business owners maximize savings through proper retirement plan design.
Decrease your total retirement plan cost
Our firm does not believe in hiding fees or burying costs so that you don't know what you are paying. Your costs will be crystal clear. In addition, we will endeavor to cut your 401(k) cost structure with low cost choices from trusted sources such as institutional-based Dimensional Fund Advisors (DFA), for whom we are an approved advisory firm.
Get custom, risk adjusted portfolios
Research has clearly indicated that many 401(k) participants have difficulty choosing their investment options. And, when it comes to building investment portfolios from the available fund choices, those same participants are confused and uncertain. We offer professionally managed and automatically rebalanced portfolios.
Remove your 3(38) fiduciary duty and reduce your liability
All plan sponsors and employers with 401(k) plans owe a fiduciary duty to the plan's employee participants. We can help you set up a plan where you have a 3(38) co-fiduciary that is willing to navigate the 401(k) culture with you and accept responsibility for running your 401(k) plan correctly.
Eliminate bureaucracy and red tape
We assemble and coordinate an expert team of service providers, including record keepers, custodians and fund companies. We give you more time to concentrate on your business.
Frequently Asked Questions (FAQ's)
Question: What's the problem with most tax-deferred plans such as 401(k)'s and 403(b)'s?
High and/or hidden fees (= fees not fully disclosed to the plan sponsor)
Long, confusing mutual funds menu – plan participants are expected to navigate this and create viable retirement portfolios on their own
Performance that's undercut by heavy underlying mutual fund expenses
Sub-optimal performance since investments are not professionally managed and rebalanced
Potential liability if the plan sponsor is sued
Weak plan participation numbers from employees
Minimal interaction with a service team – often plans are sold and serviced by a sales representative or commission based advisor
What's the answer? Our 401(k) and 403(b) plans:
Our team absorbs plan sponsor liability if a plan participant sues his employer due to unhappiness about investment decision-making or fees
Our plans consist of professionally managed, automatically rebalanced portfolios – not a confusing list of mutual funds
We typically save plan sponsors and participants money. We do not accept fund fees, which are often used by the 401(k) industry to obscure true plan costs, and provide full transparency
Advised by a CERTIFIED FINANCIAL PLANNER™ Practitioner (CFP®) and Certified Public Accountant/Personal Financial Specialist (CPA/PFS) we offer group and one-on-one meetings at NO additional cost
Fewer expenses to run a plan is more money in plan participant pockets!
We reduce headache and red tape by putting together your 401(K) team and giving you the comfort of reducing expenses, saving taxes, building a future and providing a great benefit.