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INVESTMENT MANAGEMENT FOR BUSINESSES & BUSINESS OWNERS

FINANCIAL PLANNING FOR OWNERS AND EXECUTIVES

We offer financial planning solutions that speak to your professional needs.

Business owners and executives often have financial concerns and issues beyond traditional household financial planning. We tailor our planning solutions to address those needs. We are uniquely equipped to add value to financial planning for business owners and executives because we are, ourselves, business owners and executives. The problems we help clients solve are problems we have solved for ourselves.

RETIREMENT PLAN PLANNING

We help business owners and their employees optimize their retirement savings through Defined Contribution and Defined Benefit plans. As your advocate, we quarterback a team of experienced plan design and administration professionals to design and implement retirement plans that protect and serve the interests of owners and employees.

CASH FLOW AND SUCCESSION PLANNING

We project personal cash flows as well as asset accumulation and depletion for business owners in pre- and post-retirement scenarios. We assist in evaluating options for planning and monetizing the owner's equity interests. We collaborate with our clients' CPAs, investment bankers, and lawyers to ensure that the succession plan fits with our clients’ personal and familial goals and lifestyle.

EXECUTIVE COMPENSATION PLANNING

We evaluate and make recommendations to executives for managing stock options, restricted stock, and deferred compensation arrangements.

PARTICIPANT DIRECTED 401(k) PLANS

We have created a powerful, more effective 401(k) platform.

We offer to you and your employees the same investment platform we have designed for our own employees. Our approach is designed to help participants achieve greater success in retirement savings while reducing or eliminating the plan sponsor’s fiduciary liability for investments. Through carefully selected investment options, ongoing participant education and guidance, and thoughtful advice to plan sponsors, we improve outcomes for both participants and sponsors and ensure reasonableness of costs.

Why work with us?

WE ARE A SECTION 3(38) FIDUCIARY

We assume full discretion in selecting, monitoring, and replacing the plan’s investment options, removing this burden from the sponsor’s shoulders. We make and stand behind the plan’s investment decisions – which significantly reduces or eliminates the sponsor's fiduciary liability related to the plan's investments.

FIDUCIARY INVESTMENT MANAGEMENT

Selecting all investments based on the best interests of the participants, our investment team conducts extensive due diligence in selecting mutual funds for the plan and provides ongoing monitoring, review, and replacement of funds. We offer participants a line-up of "best-in-class," reasonably-priced mutual funds across all major asset categories.

BALANCED PORTFOLIOS

A participant’s success depends on an appropriately allocated, properly diversified portfolio. We offer a wide selection of balanced portfolios to meet participants’ needs across the time-horizon and risk-tolerance spectrum, including asset allocation models, target date funds, and risk-based balanced funds.

PARTICIPANT EDUCATION AND GUIDANCE

We provide ongoing, hands-on education and guidance to participants to help them plan for retirement, save sufficiently, and make informed investment decisions for their retirement assets. We also answer questions one-on-one after the group sessions. We are accessible every work day by email and phone to answer participants' investment questions.

OPEN ARCHITECTURE PLATFORM

Our 401(k) platform provides sponsors and participants access to an open universe of mutual funds, best-in-class service providers, cost transparency, and a seamless, user-friendly experience. An independent, globally-recognized custodian safeguards plan assets and an industry- leading recordkeeper and administrator provides reporting, administrative, and compliance services to ensure that plan sponsors fulfill their fiduciary responsibilities.

EMPLOYER-FUNDED RETIREMENT PLANS

We help you invest for your and your employees’ future in a retirement plan tailored to your needs.

The Fiduciary Group manages the investment assets of several types of employer-funded qualified plans and will help you identify the plan design that works best for you. We manage a wide range of plans including Defined Benefit plans, Profit Sharing plans, Cash Balance plans, and SEP plans.

EMPLOYER-FUNDED RETIREMENT PLANS

As fiduciary advisors, we carry the full ERISA responsibility and liability for selecting, monitoring, and managing the plan's investments. We quarterback a team of expert plan administrators and actuaries who ensure that plan design and administration meet the sponsor's needs and objectives as well as comply with ERISA rules and regulations.

We define an Investment Policy Statement (IPS) that is appropriate for the type of qualified plan under management. We construct globally diversified investment portfolios that seek to balance expected returns, diversification and overall portfolio expenses. We report regularly to plan sponsors to ensure that the portfolio is in line with the IPS and the plan's long-term goals and objectives.