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Philosophy
Providing effective Investment Consulting services to the world
of 401(k) Plans requires specialized knowledge and extensive experience.
We have that knowledge and experience. We bring to the table a unique
combination of experiences as investment advisors, education specialists,
and record-keepers to ERISA Plans.
In today's litigious environment, Committees and fiduciaries are
being held to higher standards than ever before. While investment
performance is important, it is not the ultimate measure of whether
ERISA and fiduciary duties are being met. Process is just as important
than results. In order for 401(k) Plan Sponsors to meet the "prudent
expert" standard that ERISA, a prudent process for investment selection
and review must be documented. If there is no documented process,
then legally that process does not exist. Over forty 401(k)
Plans look to us for the guidance they need to make the right investment
decisions and the fiduciary back up they need to help protect themselves
from legal and DOL action.
Client Advocacy
We are not affiliated with any investment management firm, mutual
fund company, insurance company or record-keeping firm. This independence
allows us to be "revenue neutral" and thus, completely objective
with regard to any advice that we provide. It also allows us to
negotiate directly with our Client's record keeping and fund management
companies to lower costs and/or improve services.
Co-Fiduciary Status
As a fee-based provider, we act as a fiduciary to our clients'
Plans. It is our preference to provide all of our services on a
fee basis. In the event that we are compensated directly from an
insurance or mutual fund company we fully disclose all income received
and offset that against any other fees due.
Practical Implementation
We understand that every action we recommend must fit in with
our clients' priorities, employee demographics, human resource capability,
and budget. Our goal is to reduce our clients' workload, while increasing
the utility and employee appreciation of their qualified Plans.
We sort through the data and noise for our clients and deliver to
them the thoughtful and clear analysis that they need to efficiently
meet their fiduciary obligations.
Disciplined Investment Process
Our Investment Policy Statement and Investment selection process
takes the guess work, emotion, stress, and company politics out
of creating and maintaining a 401(k) Investment selection. We utilize
rigorous analytical processes and a disciplined approach designed
to consistently produce better results over time.
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