Supporting you in meeting your fiduciary responsibility.
Serving as the fiduciary expert from advising plan fiduciaries to making investment selections and managing investment portfolios.
Our Essence of Being…
ERISA Investment Fiduciary Expert
We act either as a fiduciary consultant advisor serving as a co-fiduciary, or as a discretionary fiduciary manager taking on full responsibilities.
ERISA 3(21) Investment Advisor
We act as the investment consultant to the plan sponsor or plan administrator. We provide ongoing fiduciary investment advice and to assist the plan sponsor in meeting its fiduciary responsibility under ERISA. We also assist in developing a prudent process to managing plan assets to include the developing and maintenance of an Investment Policy Statement (IPS). An important responsibility of a plan sponsor is to meet its duty to monitor. In addition to investment monitoring, we assist in monitoring the services and the costs of service providers as well as consulting on plan design best practices based on the objectives of the plan sponsor.
ERISA 3(38) Discretionary Investment Manager
When we are appointed in this role, we take on the full fiduciary responsibility to design and maintain an Investment Policy and to elect and monitor all plan investment options. Although the plan sponsor remains responsible to monitor our services, we are liable for our investment decisions.
Separately, we can serve as the plan consultant to assist in monitoring the services and the costs of service providers as well as consulting on plan design best practices based on the objectives of the plan sponsor.
Fiduciary investing, under defined contribution plan context, is not about identifying the lowest cost investments nor identifying yesterday’s winners. The overriding objective is to serve solely in the interest of the participants. This means identifying a group of prudent investment options that offer each participant the access to construct a personalized, risk appropriate and diversified long-term portfolio.
News & Commentaries
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Quarterly Market Commentary – 2023 Q2
2023 Q2 Commentary: Clear as Mud The second quarter data continue to support every market narrative – more noise and few clear signals. The stock market extended its first quarter advance, and the S&P 500 Index in June entered a new bull market (20% above the 2022...
Quarterly Market Commentary – 2023 Q1
2023 Q1 Commentary: Walk and Chew The excitement and relief of “no landing” and “soft landing” in the U.S. during the past 6-months have given way to a hard landing scenario on March 10th when Silicon Valley Bank was shut down by federal regulators. An investigation...
The COVID Effect on Supply and Demand
An overview of how COVID negatively impacted both supply and demand worldwide.