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capital management

institutions

Institutions

Retirement plans offer numerous benefits to employees, but the advantages they bring to employers are often overlooked. Navigating platforms, Third-Party Administrators (TPAs), and investment choices can quickly become overwhelming for HR departments. At our firm, we specialize in simplifying the process, offering a comprehensive range of services that cater to your specific needs and eliminate the complexities associated with managing a 401(k) plan.

Fiduciary

Employers sponsoring retirement plans face fiduciary risk. They must act in participants' best interests, make wise investments, monitor providers, and comply with regulations. Failure has severe consequences like lawsuits, penalties, and reputation damage. Best practices include regular reviews, due diligence, participant education, and record-keeping. Qualified advisors can help manage risk and ensure plan success.

3(38)
A 3(38) fiduciary is an investment manager who takes on the responsibility of selecting and monitoring the investments in the plan. By hiring a 3(38) fiduciary, a company transfers the investment selection and monitoring responsibilities to the fiduciary, reducing the company's fiduciary liability. This can provide peace of mind for the company's decision-makers, knowing that their employees' investments are being professionally managed and monitored.
3(21)
A 3(21) fiduciary is an investment advisor who provides investment recommendations to the plan sponsor but does not have the authority to make the final decisions. By hiring a 3(21) fiduciary, the plan sponsor can share the responsibility of investment decisions and reduce their liability exposure. Additionally, a 3(21) fiduciary can provide ongoing education and communication to plan participants, promoting better understanding and engagement with the plan.

It's about

efficient and caring

employee communication

Efficient and meaningful employee 401k communication is essential for companies that want to ensure their employees fully understand the benefits of their retirement plan. A successful 401k communication strategy should be clear, concise, and easily accessible to all employees. This can be achieved through various methods such as group meetings, one-on-one consultations, online resources, and educational materials. The communication should also be tailored to the specific needs and preferences of the workforce, using language and examples that are easy to understand and relevant to their lives. Providing regular updates and reminders can help employees stay engaged and informed about their retirement plan, leading to better outcomes for both the employees and the company.

Model Management

Portfolio model management refers to the practice of constructing and managing investment portfolios based on predefined models or strategies. These models are typically designed to achieve specific investment objectives. By following a portfolio model, investors can benefit from a structured and disciplined approach to investing, ensuring that their portfolios align with their goals and risk tolerance. This approach can provide efficiency, consistency, and scalability in managing investments, allowing for better risk-adjusted returns and optimized portfolio performance.

Target dates
Target date models are investment portfolios designed to align with an investor's retirement date or target goal. These models typically consist of a mix of stocks, bonds, and other assets that automatically adjust over time as the target date approaches.
Lifestyle models
It offers pre-defined portfolios with varying levels of risk and asset allocation, allowing investors to choose a suitable option. These models provide diversification across different asset classes and aim to strike a balance between growth and stability based on individual preferences.
Momentum strategies
It aims to take advantage of trends in the market, assuming that assets that have been performing well will continue to do so in the near future. This strategy involves capitalizing on the upward momentum of stocks or other financial instruments. However, it is important to closely monitor and manage risks when implementing a momentum model.
Complete custom
A complete custom investment model is a highly personalized approach that creates a unique investment strategy based on an individual or institution's specific requirements and preferences. It involves designing a customized portfolio tailored to the client's goals, risk tolerance, and other considerations, providing an optimized investment solution.

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Reach out to us to learn more about the services we deliver to our partners.

We look forward to working with you.