Participant Education Program

From design through implementation – We meet with plan participants, regularly or as requested by the Plan Sponsor, to present information on topics such as the overall benefits of plan participation, the impact of pre-retirement withdrawals on retirement income, investment objectives and philosophies, and risk/return characteristics.  We can also provide written general financial information related to investment concepts such as diversification, dollar-cost averaging, estimating future retirement income needs, and assessing risk tolerance.  We can furnish investment worksheets and questionnaires, which allow participants to estimate future income needs and assess different asset allocation models.

Participant Advice Program

Participant investment advice program design and implementation – We can determine the plan participant’s investment return objectives, risk tolerance, time horizon, and other preferences.  We can recommend an asset allocation model based on the investment alternatives available under the Plan that is consistent with the participant’s investment return objectives, risk tolerance, time horizon, and other preferences. We may also advice the plan participant to periodically re-balance his or her asset allocation mix to maintain consistency with the asset allocation model and meet with them regularly, or as requested, to review the appropriateness of the asset allocation model in light of changes in the plan participant’s financial situation.