We reduce the costs, risks, and complexities in managing your company's 401(k) plan.
Avoid Unnecessary Fees
High Fees are guaranteed to lower investment returns. Our solution is to provide a low-cost menu of diversified funds.
Avoid Unnecessary Risk
Our Investment Philosophy avoids unnecessary fiduciary risk for employers and reduces investment risk for employees.
Ongoing Fiduciary Review
Our ongoing investment monitoring process helps avoid potential DOL and IRS audit issues.
Zero markup, zero hidden fees.
Reduce your fiduciary liability as a plan sponsor.
Plan investment monitoring and oversight.
Employee education and financial guidance.
Conflict-free advice which benefits you & your employees.
Investment philosophy grounded in modern portfolio theory.
You Have Fiduciary Responsibility
You are probably not an investment expert, but the Department of Labor (DOL) doesn’t care. It holds you, as your company’s retirement account Plan Sponsor, personally accountable.
EDUCATION IS CRITICAL TO SUCCESS
Being a Fiduciary Means You Have a Big Responsibility
You might think that your big-name broker will bear fiduciary responsibility for your 401(k) plan, but read the fine print
Most of the known national retirement plan brokers don’t act as discretionary managers, and they specifically reject in writing their status as a Fiduciary under the Employee Retirement Income Security Act (ERISA) guidelines.
How Lower 401k Fees Can Grow Your Retirement Savings
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Investment Policy Statement
The purpose of this Investment Policy Statement is to provide meaningful direction and guidance to our firm regarding the selection...
What You Need to Know About 401k Fees as a Business Owner!
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How Financial Planning Will Help you Hack Your Student Loans
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Be a boring investor and make money the right way
Most investors who are able to optimize their success use a very simple approach. If you want success in investing,...
Shore Financial Planning’s Investment Philosophy
The most prudent way for investors to reduce portfolio risk and enhance wealth is through “passive investing.”
Employer Fiduciary Responsibilities
Fiduciaries have sworn a legal oath to invest with their clients best interest in mind, rather than their own.