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Investment Solution's sole function is to provide independent and unbiased investment advice for retirement plan participants.
Our advice is independent and unbiased because we do not sell any products or manage any assets.
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Our independent advice further reduces the fiduciary liability of the Employer. Investment Solutions will be a fiduciary by definition under ERISA.
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Our advice will help employee participation and raise levels of contributions.
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The Employer is not responsible nor is it required to monitor the advice provided to the participants.
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Employers will have the comfort of knowing that their employees are being provided personal guidance without being sold any other products or services.
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Fees for investment advice can be paid from the plan or by the Employer and are not based on a specific type of investment. |
Benefits to the Employee:
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Employees will have a personal investment adviser that is unbiased, always available for questions, and is not trying to sell them any other products or services.
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Employees receive one-on-one investment education and fund specific advice on their retirement accounts.
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We meet with each Employee four times a year to review and monitor the progress of their retirement account.
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Employees will also receive advice on rebalancing, dollar cost averaging, options at termination and retirement, etc.
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Listen: We will meet with each Employee (and their spouse if they wish) to discuss retirement goals and objectives. We will also discuss if their contribution levels will meet those goals or fall short. We then establish a profile for each Employee in our Thompson One Advisor system to begin the Assessment phase.
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Assess: We will then review each Employee's current retirement portfolio to see if it lines up with the results from the Evaluation process. Under this step, we look at technical components of their current portfolio like Beta, Standard Deviation, Sharpe Ratio, Performance in good and bad markets, etc.
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Implementation: At this point, we will meet again with each Employee to discuss the amounts they are contributing to their retirement account, and if that will be sufficient or if they need to gradually raise their contributions. We then make specific fund recommendations (from the list the Employer has provided) in an effort to get the best return while taking the least amount of risk. If the Employee agrees, we then assist them with making the changes to their account.
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Monitoring: Once the plan is in place, we monitor the new Portfolio and give advice when we feel it is warranted. We will meet with each Employee quarterly in the beginning to make sure they understand our process. We are always available for questions from the Employees at no additional cost. We also provide performance numbers for each quarter and a thorough review of the Employee's account.
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