Prudent Fiduciary Process

Legally Compliant.

The 401K Plan Advisors fiduciary process focuses on the law of ERISA. This legally sound part of the process is plan sponsor/plan participant focused. That is the opposite of the advisor–focus approach taken by sales-oriented Wall Street advisors to plan sponsors.

Academically Oriented.

The second part of 401k Plan Advisors fiduciary process comprises its investment philosophy which is grounded in Modern Portfolio Theory and other components of financial theory. This philosophy emphasizes globally broad diversification of risk which leads to increased return. The Uniform Prudent Investors Act adds an additional layer of protection. By following Modern Portfolio Theory, a generally accepted investment theory, the plan sponsor is protected from fiduciary liability.

Cost Control.

The last part of 401k Plan Advisors fiduciary process emphasizes keeping investment costs low. Just as globally broad global diversification reduces risk and in turn leads to increased return, reducing costs goes results in improved outcomes