Investment Advisory Services

Investment Advisory Services

Investment Advisory Services

Structuring the Fund Menu:

ERISA is all about prudence. As the primary purpose of the plan is to accumulate retirement benefits, it would likely be considered imprudent to offer investment options that participants are not able to use successfully or, if misused, could result in significant losses or inadequate retirement benefits. We will help structure and maintain an investment menu that can drive better decision-making and improve your employees’ likelihood of achieving financial success.

Investment Due Diligence :

Selecting, de-selecting and monitoring investment options is a complex task, but as a fiduciary, it’s not an option; it’s a legal obligation. Utilizing a proprietary due diligence process and systems – an important area of differentiation from those Advisors who don’t have the commitment or infrastructure to create and support their own” – we will provide a thorough analysis and benchmarking of your Plan’s investment options. Our reports provide the framework for the selection and ongoing evaluation of the funds; ensuring that they continue to be well-managed, appropriate for the plan and in line with the Plan’s Investment Policy Statement.

Target Date Fund (TDF) Evaluation :

TDFs have become very popular investment options, especially given their designation as a Qualified Default Investment Alternative (QDIA). Although they are marketed as a simple investment solution, they are anything but. In fact, TDFs are enormously complex, varying widely in their portfolio composition, strategies and styles. Our analyses can provide plan fiduciaries with a deeper understanding of the differences between TDF strategies and products, providing the framework for evaluating whether your TDF is consistent with your plan’s objectives and meeting the needs of the participants… important for any plan option, but perhaps even more so for an option that may be designated as the plan’s default fund .

Maintaining the Plan’s Watch List :

We will structure and maintain a Plan Watch List for those investment options which no longer satisfy the criteria for which they were originally selected and/or for those performing below the standards stipulated in the Investment Policy Statement. Should it become prudent or necessary to add or replace a fund, we will provide an in-depth analysis of appropriate alternatives utilizing screening criteria discussed and agreed upon by the Committee. We will also assist with any negotiations required for fund changes.essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.