Our Process
1. Retirement Plan Analysis (Organize)
o Benchmark Reports
• Report 1 - Fees, Plan Design, and Participant Success Measures
• Provides a comprehensive apples-to-apples comparison of the plan's fees, design and participant success measures to those in a benchmark group of similar plans
• Report 2 - Sponsor and Advisor Provided Services
• Provides comprehensive comparisons of a plan’s fiduciary oversight and best practices support received from service providers
• Report 3 - Plan and Participant Services
• Examines the amount of services being provided to a plan and how well those services are meeting industry standards
o Perform a Comprehensive Investment Policy Statement Review
o Perform a Comprehensive Review of Service Agreements, Contracts, and Documented Roles and Responsibilities of all fiduciaries
2. Investment Structure (Formalize)
o Analyze Current Investment Choices
• Market Performance Summary
• Holdings Summary
• Asset Allocation Analysis
• Style Analysis
• Fee Analysis
• Attribution Analysis
o Create an Investment Policy Statement
• Identify Time Horizon
• Identify Risk Tolerance
• Identify an Expected, Modeled Return to Meet Investment Objectives
• Select Appropriate Asset Classes Using a Resampled Efficient Frontier Curve
3. Execute Investment Strategy (Implement)
o Identify Applicable "Safe Harbor" Provisions and implement accordingly
o Create a due diligence process to select service providers and custodian
o Select investment vehicles based on investment policy statement
o Implement the investment strategy with the required level of prudence
4. Periodic Plan Audit (Monitor)
o Compare investment performance against appropriate index, peer group, and IPS objectives
o Review qualitative organizational investment objectives
o Ensure fees are consistent with agreements and with all applicable laws
o Review of the organizations effectiveness in meeting its fiduciary responsibilities
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