INVESTMENT MANAGEMENT FOR BUSINESS & BUSINESS OWNERS
INVESTMENT MANAGEMENT FOR
TAX-ADVANTAGED EMPLOYER-FUNDED ACCOUNTS
EMPLOYER-FUNDED QUALIFIED PLANS
The Fiduciary Group manages the investment assets of several types of employer-funded qualified plans including Defined Benefit plans, Profit Sharing plans, Cash Balance plans, and SEP plans. As fiduciary advisors, we carry the full ERISA responsibility and liability for selecting, monitoring, and managing the plan's investments. We have assembled a team of expert plan administrators and actuaries who ensure that plan design and administration meet the sponsor's needs and objectives as well as comply with ERISA rules and regulations.
We define an Investment Policy Statement (IPS) that is appropriate for the type of qualified plan under management. We follow a prudent investment process in managing the plans' investments. We construct globally diversified investment portfolios and seek to balance expected returns, diversification, and overall portfolio expenses. We report regularly to plan sponsors to ensure that the portfolio is in line with the IPS and the plan's long-term goals and objectives.
CAPTIVE INSURANCE ACCOUNTS
We have developed a specialized expertise in managing the financial assets of Captive Insurance accounts. A Captive's primary objective is to insure or reinsure the risks arising from the operating business of its owners. If planned and managed appropriately, a Captive provides a broad range of risk management capabilities tailored to the company's needs in a tax-efficient manner and at a lower cost than traditional third-party insurance. The assets of the Captive which we manage are owned by an LLC of which the business owner is sole manager and member. The assets are held in custody by an independent custodian.
We have developed an Investment Policy Statement (IPS) that accomodates the objectives and constraints of both the reserve and surplus assets of a Captive. Our dividend-oriented investment strategy leverages the tax-advantaged treatment of corporate dividend income. In managing the assets of the Captive, we work closely with a leading full-service captive management services company that handles the daytoday management and administration of the Captive.