Qualified Retirement Plans
Empowering your employees to plan for their future is a competitive requirement in today’s workplace.
We help organizations of all sizes (both for-profit and not-for-profit) identify and implement retirement plans for the benefit of their employees. With our assistance, you will be able to provide eligible employees with the opportunity to accumulate long-term retirement savings through employee and potential employer contributions.
The plans we offer comply with both the Internal Revenue Code of 1986 and the Employee Retirement Income Security Act of 1974 (“ERISA”), as amended.
Our Role As A Fiduciary
What does the term ‘fiduciary’ mean in the context of your investments, and your relationship with your investment advisor? By definition, a fiduciary is someone who owes another party the highest level of trust. In our work, the fiduciary standard dictates that we go beyond ‘suitability,’ to generate advice that is first and foremost in your best interest.
An investment fiduciary is a financial professional, or any other person (eg. a board member, or other organizational representative) who has the legal responsibility for managing somebody else's money.
We act as a fiduciary in our work with companies whose qualified retirement plans we manage. We are ethically, financially, and legally bound to put your interests above all others. It’s as simple as that.
The Accredited Investment Fiduciary (AIF®)
Investment fiduciaries and professionals are constantly exposed to legal and practical scrutiny. Accredited Investment Fiduciary® (AIF®) designees have the ability to implement a prudent process into their own investment practices as well as being able to assist others in implementing proper policies and procedures.
Perry Koplik and Cameron Koplik are both AIF® designees. They have completed the requisite training, fulfilled the experience requirements, passed the conduct standards, and abide by the code of ethics expected of Accredited Investment Fiduciaries.
Helping you develop your Investment Policy Statement
An Investment Policy Statement (“IPS”) is intended to assist your organization’s Investment Committee by establishing guidelines for making investment-related decisions in a prudent manner.
It outlines the underlying philosophies and processes for the selection, evaluation, monitoring, and, if necessary, termination of the investment options offered by the Plan. The IPS is not a contract; rather it intends to:
- Define your Plan’s investment objectives
- Defines the roles of those responsible for the Plan’s investments
- Encourage effective communication between the Committee and all parties involved with investment management decisions
- Describe the criteria and procedures for selecting appropriate investment options
- Establish investment procedures, measurement standards, and investment monitoring procedures
- Describes investment options and steps to be taken if an investment manager(s) fails to satisfy established objectives
We will work with you to periodically review your Investment Policy Statement and, if necessary, amend it to reflect changes in the capital markets, plan objectives, or other factors relevant to your Plan.
Providing you with an appropriate range of investment options
Long-term investment performance, in large part, is primarily a function of asset class mix. As with any investment decision, one must balance the risks and rewards.
Common Asset Classes
When it comes to helping you select appropriate investment options, we consider a broad set of criteria, which can be grouped into the following categories:
- Fund characteristics
- Performance
- Risk-adjusted return (Sharpe ratio, Alpha, and R-squared)
- Volatility
- Fund expenses
- Morningstar Rating
- Overall criteria scoring
- Extended performance data
