Retirement Plan Consulting

The clients we serve are typically corporations with a $25 million-plus qualified plan who are looking for a single source to provide guidance to their investment committee.

Our institutional clients seek advisors who will consult on the plan, provide one-on-one participant education, and develop and run model portfolios. Engineering firms in particular seem to gravitate to our technical communication style and hands-on management approach, and as a result, we have several clients in this industry.

We provide owners and plan sponsors the knowledge and expertise they need to understand and navigate the complex fiduciary landscape while evaluating the countless options and decisions that accompany running a retirement plan.

We're also committed to ensuring plan participants receive the guidance and education they need. Retirement is a universal concern, whether you work in the corporate world or the philanthropic or nonprofit arena. We believe our retail wealth management background is an asset to clients that retain us to communicate complex financial planning and investment concepts to their investment committees and employees.

We help our clients develop total retirement plan solutions such as:

+Governance & Policy Development

As part of our governance process, we will help you:

  • Assist in the design of an investment policy statement that includes your investment time horizon, risk tolerance, expected return, cash flow needs – all the areas that go into developing a plan.
+Asset Allocation Strategy

Over the last 25 years, institutional investors have altered their approach to asset allocation.

For example, in 1989, the Yale University Endowment allocated approximately 70% of its assets to U.S. stocks, bonds and cash. Today, domestic marketable securities represent 11.50%, with international and non-traditional asset classes comprising the balance for their return potential and diversifying power.*

This chart illustrates the average asset allocation of 77 university endowments in the United States with over $1 billion in assets, including Harvard, Yale and Princeton, as reported by the National Association of College and University Business Officers. **

While these institutions have made significant commitments to alternative investments, individual investors may wish to consider a lesser allocation in the context of their portfolios. Our practice helps plan sponsors and participants determine if these strategies are appropriate within your retirement plan.

* Source: Yale Endowment Report 2009
**Source: NACUBO 2008 Endowment Study

Asset AllocationAlternative investments involve specific risks that may be greater than those associated with traditional investments and may be offered only to clients who meet specific suitability requirements, including minimum net worth tests. You should consider the special risks with alternative investments including limited liquidity, tax considerations, incentive fee structures, potentially speculative investment strategies, and different regulatory and reporting requirements.

Asset allocation does not guarantee a profit nor protect against loss.

+Manager Research & Due Diligence

We conduct extensive quantitative and qualitative investment manager research and due diligence in order to identify and select quality money managers and help maximize opportunities in each asset class.

We have a particular interest in managers who have the flexibility to invest across geographic areas and generous timelines. Our efforts here support our steadfast goal to attempt to mitigate long-term risk and capture less downside in the market.

+Investment Performance & Review

We devote considerable time and effort to designing investment portfolios for our clients that are matched with their objectives.

We evaluate, research and identify investments and portfolios based on quantitative and qualitative criteria and other constraints. Only when specific investments meet our stringent standards and scrutiny do we recommend them.

We help you document our investment manager research, portfolio construction methodologies, due-diligence data and your plan sponsor decisions in a fiduciary audit file.

Our duties continue beyond just our initial groundwork and recommendations. We continuously monitor performance, management, fees, and undertake other ongoing due diligence.

+Asset Management

In today's complex marketplace, even sophisticated investors are challenged to stay current, to monitor their investments, and to respond to rapidly changing conditions.

Raymond James provides access to professionals whose skills at risk profiling, institutional asset allocation, money management selection and investment policy development can help you navigate in a constantly changing environment.

+Executive Services

Executives at publicly traded companies face many unique challenges when managing their personal financial plans. The individuals are often so consumed by the demands of their occupations that they are unable to dedicate the necessary focus to their personal financial situations.

Our team specializes in providing consulting services to successful corporate executives on a variety of issues that are unique to their situations.

  • Concentrated stock positions
  • Equity based compensation
  • Regulatory requirements / forms filing
  • Company trading policies
  • Additional corporate solutions

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