While employers are free to add just about any mutual fund to the plan platform, our basic platform already includes low-cost no-load index funds which over the course of time have served investors better than more expensive, often sales-fee laden managed funds. Call for a complete list.
401k plan participants can build their portfolios with any combination of funds. They can also open a brokerage account and hold individual stocks and bonds. In either case, they can self-manage or take advantage of our expertise.
Most participants use the plan platform; and most have found it both convenient and wise to choose one of our risk-based models. These models allocate participant money to low-cost no-load Vanguard mutual funds, with the stock/bond mix of each model fitting for a particular risk profile. Call to receive a complete layout of these models.
Participants often know their tolerance for risk, but we gladly help the selection process. Such is most common upon conversion and with new hires. Of course our counsel – on this and any financial matter – is always available and always free for our clients.
When a participant’s assets rise into the hundreds of thousands, he or she might be interested in a portfolio of individual stocks and bonds. Our plans include a brokerage account option. A client can self-manage, but most have found it beneficial to have us manage such accounts. Read more about our portfolio management process.