|Strategy||Keep expenses low by minimizing asset-based fees when possible.
When it comes to choosing investments– focus on the fundamentals of asset allocation, diversification, and low costs.
We suggest a three tier fund line up:
Tier 1 – devoted to target date index-oriented funds or managed options
Tier 2 – broad based index-oriented funds
Tier 3 – Expanded line up with additional index-oriented funds, actively managed funds, or specialty investments.
|Type of Investments
|Quality, low-cost mutual funds / exchange traded funds (ETFs)|
|Fund Families||Though our 401(k) plans are open architecture and can incorporate multiple fund families; we primarily choose Vanguard funds given their low-expense and reputation.|
We are always 100% transparent regarding the fees you pay.
$1,000 one-time conversion fee¹
$1,500 annual administration fee²
0.08% annual asset Fee
0.50% annual advisor Fee
0.12% annual Vanguard fund line up expense
Total Dollars / % = $9,500 / 0.95% Less than 1% “all-in-fee”
¹Set up, conversion, and annual administrative fees are flat fees, not asset-based fees. We do this to keep administrative fees low, even as plan assets continue to grow.
²This plan assumes group 401(k) plan with 25 participants, $1 million in assets, and standard Vanguard fund line up. Please keep in mind as each plan is unique to your requirements, your “all-in-fee” me be greater or less than the fees outlined above. Our comittment is to always be 100% transparent with fees so you can make the best decisions.