Asset Class Guidance & Retirement Planning with Managed Account

Asset Class Guidance & Retirement Planning with Managed Account

Help Participants Attain Financial Wellness

Asset Class Guidance and Retirement Planning is our free enhanced retirement planning solution
designed to help participants secure their financial future. It provides each individual employee with a
comprehensive understanding of their unique retirement outlook so that they can make more informed decisions.

We Give More to Your Participants

With one-click implementation, participants can opt into our Managed Account that provides investment-level advice and ongoing account management. Automatic personalized risk adjustment and rebalancing mean that they can feel confident they are investing with an appropriate amount of risk — even if they are the type to set it and forget it. Plus, participants also have the option to get Advice on Outside Retirement Accounts for holistic fund-level advice that includes pre-tax retirement accounts outside of their plan, including any held by their spouse.

This innovative accumulation solution meshes our rigorous methodology with best practices from behavioral finance and a carefully-designed user interface to help motivate and incent action.

With GuidedChoice, participants ultimately feel more confident that they're on the path to true financial wellness.

Key Benefits for Participants
Key Benefits for Your Plan
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Advice based on their goals, with non-plan household retirement assets also taken into account

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Personalized asset allocation recommendation for plan account

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Savings rate advice that encompasses their plan and any outside retirement assets — including those of a spouse — to better help them achieve their goals

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Scenario planning to help them see the impact other financial decisions have on their retirement goal

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Projected retirement income covering a range of market conditions to bolster confidence and knowledge

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Automatic rebalancing

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One click implementation of advice and account management for employer plan account

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Availability of live help

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3(38) and/or 3(21) fiduciary protection, with 3(38) protection at a participant level

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Plan Health Reporting that can help drive improvements

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Approved QDIA to further encourage participation and participant savings

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Plans meet 404(c) education requirements

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Improves discrimination testing results by improving participation, savings rates and contribution caps imposed on the highly compensated

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Customizable to the plans core investment lineup

See the benefits of adding Advice on Outside Accounts +-
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Fund level advice on all pre-tax retirement accounts, including spouse’s accounts

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Fund level advice on long-term HSA/HRA dollars

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Leverages account aggregation

More Advantages without Compromise

Through our customized approach and ability to fully personalize advice, participants are far more invested and satisfied with their plan — which creates a positive attitude that equally benefits employer and employee. Here are just some of the ways we work to assist everyone:

Improved Long Term Outcomes

Improved Long Term Outcomes

Participants who receive professional help with their 401(k) stand a greatly improved chance of achieving their retirement goals than those who do not — including a stronger commitment to maintaining and increasing their contribution levels.

Reduced HR Burden

Reduced HR Burden

Many participants have little understanding of the fundamentals of saving for their future. As part of our service, we’ll help participants learn and adopt the steps they need to take to be truly prepared for retirement, so employers won’t need to take on the responsibility of educating employees.

Stronger Confidence

Stronger Confidence

80% of Americans between the ages of 30 and 54 believe they will not have enough saved for retirement.* By creating a personalized glide path and goals for each participant, we remove those worries and help to ensure they stay on track — no matter how the markets or their life goals change.

Greater Trust & Transparency

Greater Trust & Transparency

Participants place a higher value on our advice because they know we are an independent company with no shareholders or affiliations. Everything we do is unbiased and in their best interests alone. We also work in open partnership with advisors and consultants, and lead the industry with solutions such as 3(38) fiduciary protection at a plan and participant level.

Competitive Pricing

Competitive Pricing

Our mission is to help everyone receive the professional management and advice they need for the future they want. That’s why our fees are priced to be more affordable, easier to understand and come with no minimum investment or plan balance requirements.

See More Advantages *Employee Benefit Research Institute (EBRI) 2015 Retirement Confidence Survey

Meet the Needs of Your Participants

Now more than ever, employees count on advice as part of their defined contribution plan and expect their employers to provide it. Meeting this demand takes a trusted partner able to expertly assist participants – we not only answer that challenge, we go beyond to ensure greater satisfaction and confidence.

*Source: J.P. Morgan and David Blanchett, "The Impact of Expert Guidance on Participant Savings and InvestmentBehaviors", Working Paper (David Blanchett, August 2014)
Find the Right Solution

Find the Right Solution

Retire Ready Simulator with Quick Enroll

Retire Ready Simulator with Quick Enroll

  • Get participants into plans quickly
  • Provide newfound clarity about personal retirement readiness
  • Improve enrollment, savings rates, and financial wellness

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Find the Right Solution

Find the Right Solution

Personalized Target Date+

Personalized Target Date+

  • A personalized QDIA that’s as easy as a target date fund
  • With a customizable lineup, this creates a personalized portfolio and glide path for each participant
  • 100% default, zero employee engagement required

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Find the Right Solution

Find the Right Solution

Asset Class Guidance & Retirement Planning with Managed Account

Asset Class Guidance & Retirement Planning with Managed Account

  • Provides free asset class guidance & retirement planning support, including outside accounts and savings advice
  • Opt-in to managed account for investment-level advice and ongoing account management on plan account
  • Can also provide advice on non-plan pre-tax retirement accounts

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Find the Right Solution

Find the Right Solution

Retirement Income Solution

Retirement Income Solution

  • Personalized and actionable advice for participants who have retired or are about to retire
  • A tailored decumulation strategy to help employees make their money last
  • Advanced scenario planning to help retirees make better and more confident financial decisions

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Find the Right Solution

Find the Right Solution

Fiduciary Services

Fiduciary Services

  • Can act as a 3(38) and 3(21) fiduciary
  • We ensure all ERISA standards are met and shoulder fiduciary responsibility
  • Industry-leading oversight and due diligence

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Find the Right Solution

Financial Wellness & Retirement Planning Advice for Public Sector Participants

Financial Wellness & Retirement Planning Advice for Public Sector Participants

  • Offers public sector employees free asset class guidance & retirement planning support
  • Option for one-time fund level investment advice on both plan and outside accounts
  • Designed to improve savings rate, retirement readiness and engagement

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Find the Right Solution

Find the Right Solution

Retirement Readiness Analytics

Retirement Readiness Analytics

  • Essential preparation and motivation for employees
  • Personalized assessments and recommendations
  • Gives employers a unique picture of their plan and participants

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