Wealth Coaching Intro

How much are your investments costing you?

Are you truly diversified?

Modern Portfolio Theory Quiz

Who are you, really?

Prudent Retirement Plan

Wealth Advisors Group

The Stewardship Alliance

Is Your Company ERISA Plan a Liability or Asset?

ERISA Retirement Plan Problems

Employers: If you have any of these concerns, you need a better retirement plan.

A. Trustee Liability

1. Do you exercise any control over the allocation of assets or fund choices in your company’s retirement plan?
2. Fiduciaries are personally liable for breeches of fiduciary standards. How much could you lose?
3. Does your plan meet the prudent expert standard?
4. Has the Department of Labor conducted an audit on your plan? If so, what were the results?
5. Does your plan have an Investment Policy Statement?
6. What process, if any, have you instituted to follow this policy statement?

B. Costs

1. Can you identify and measure the administration cost in your retirement plan?Can you identify the average turnover of the annuity or mutual funds in your plan?Is your existing advisor unbiased or commission based?Can you specifically measure the amount of risk and volatility in your plan or any of the fund choices?Do you know how to measure the diversification in your plan?
2. Have you ever measured the total amount of commissions/fees in your plan?

C. Risks

1. Do you know where your plan options fall within the Markowitz Efficient Frontier?
2. Do you have a clear cut method for measuring the success or failure of your plan?
3. Do you have a process for measuring volatility?
4. Do you utilize Modern Portfolio Theory in creating and managing portfolio options?

D. Planning

1. Do plan participants have access to independent professional investment advice to design their own portfolios with the plan?
2. Do you have a written process that the plan follows to make investment decisions and options available to plan participants?
3. Who is documenting this process?
4. Are you completely satisfied with your personal portfolio results?
5. Do plan participants complain?

E. Education

1. What is the ongoing education process that you use to help your plan participants be more educated and knowledgeable regarding their retirement?
2. Is the education continuous and how often is it offered?
3. What materials are provided to the participants and what is their cost?
4. Is the education also available on the Internet?
5. Does the education focus specifically on investing?

Call now for a FREE Plan Evaluation.