Superior investment returns
Clear, strong principles guide our investment strategies. We select proven and stable exchange traded funds (ETFs) and/or mutual funds with at least 3 to 5 years of performance history, excellent liquidity to ensure that your investments can be monetized immediately and higher composite Morningstar ratings than similar funds.
Our fund choices have superior 1-3-5 year performance track records. Additionally, all our selections carry low expense ratios, which reduces drag on fund performance and lowers 3rd party investment management expenses. We monitor our fund asset class performance regularly. We replace underperforming ETFs when necessary, and assess the track records of the principal portfolio managers for our ETF choices. No stone goes unturned when choosing investments for your Plan that, in our judgment, are most likely to maximize your retirement savings.
Our approach is designed to deliver superior returns while minimizing volatility and risk.
Superior investment portfolio design
We create unique, customized model investment portfolios based on your individual needs. We offer as many portfolios as desired, with each portfolio representing different balances of expected return and risk. We typically recommend offering five to six portfolio options to employees, which we’ve found helps employees find a plan that suits their needs without feeling overwhelmed.
We consistently assemble portfolios that provide a high-rate of return for the given level of risk (volatility). The proof is in two metrics: standard deviation and the Sharpe ratio. Our portfolios have a significantly lower standard deviation than our S&P benchmark, and our Sharpe ratios are at 1.5 or more (a ratio of 1.0 means the investment is expected to earn higher returns than the level of risk indicates).
Accessible financial education
In addition to investment selection, we offer you and your employees our proprietary Client Risk Assessment Form and Financial Blueprint, which summarizes the individual’s current and future financial conditions, including:
- Current net worth (Balance Sheet)
- Current cash flow (Household Budget)
- Retirement planning tools used to define a “Nest Egg” needed at the desired retirement age
- Model asset allocation portfolio (with 19 different asset classes) for minimum retirement Nest Egg + desired estate distribution
- Projected minimum nest egg at retirement and desired estate distribution
- Recommendations for saving and investing
We’re also happy to discuss topics such as:
- Household budgeting
- Building a Personal Net Worth Statement
- How to manage debt
- Investment styles
- Conservative vs. Aggressive
- Capital preservation
- Income generation
- Employer Sponsored Retirement Plans
- Types of plans
- Why should I contribute?
- What is needed to retire
- Estimating income needs
- Estimating savings needs
- Social security
- Other income, including Defined Benefit Plan income
- Equity / stocks
- What is a stock?
- How do you make money with stocks?
- What are the risks? Are some stocks riskier than others?
- How do you reduce risk?
- Debt/Bonds/Fixed Income/Other Investments
- What is a bond?
- How do you make money with bonds?
- What are the risks? Are some bonds riskier than others?
- How do you reduce risk?