Your Personal 401(k) Fiduciary
We are a 100% fee-only fiduciary for 401(k) investors that want to benefit from proactive, dedicated investment management of their portfolio. Being a fiduciary means having a legal responsibility to act in our clients' best interests, not our own. Additionally, we adhere to the highest fiduciary standard in the industry and are audited annually to demonstrate that commitment.
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Top Investing Myths |
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 Someone can predict the market. No, they can't. Some people are right in the short term, but how many are over the long term about everything? The reality is that NO ONE knows where the market is going to close at the end of the week, month, or year.
- You can time the market. You can definitely get lucky from time to time. However, we have spoken to numerous people that got out of the market before the 2008 meltdown. What did all of them attribute it to? Dumb luck.
- There is a silver bullet that will always make your account grow, regardless of the market. See Myths 1 and 2.
- I lost a lot of money last year. If I get really aggressive, I can get it back. You be right...but only if the market goes up...and if you are invested in the exact right investment at the right times, and that includes buying and selling...good luck. If it goes down again? Ouch.
The 3 Things 401(k) Investors Can Control:
- Risk
- Behavior
- Contributions
You can't get away from risk. If your portfolio has a lot of risk and the areas in which it is invested does well, you do too. However, if that pendulum swings to the other side, so does your portfolio, for better or for worse. Behavior is a variable that is tough to define, as our investments affect us all a little differently.
How We Help
Our dedicated research department (none of which are financial advisors, only investment managers...that's all they do), monitors the risks in the market, has no emotional tie to your account, and thus our only goal is to protect and enhance your portfolio by managing the risk inherent to the markets on a proactive basis. How do we benefit you pertaining to the three things you can control?
- Risk - We are experts in managing and monitoring risk. You control how much risk you want, and we manage that risk specific to the approach outlined in your Investment Policy Statement. Therefore, our research department is not able to be gamblers with your money.
- Behavior - We manage risk specific to a defined, fiduciary process. The investment managers in our research department do not have an emotional attachment to your money, and instead focus on risk.
- Contributions - We provide you strategies on how to maximize the benefits of pre-tax savings, but you always control how much you are saving in your 401(k).
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