Investment and Target Date Fund Analysis

A successful retirement plan needs investment choices that are carefully screened and cost effective.

Improving Participant Opportunities

Employees need the right building blocks to achieve their long-term financial goals. That foundation starts with a diversified investment menu which meets the needs of both novice and advanced investors. Serving as an ERISA 3(21) or ERISA 3(38) fiduciary, MRPA may suggest actively managed investments and low-cost index funds as well as target date portfolios to handle the details.

MRPA’s approach to participant-directed fund menus is very active but highly disciplined. Using institutional-quality tools, our investment consultants will carefully analyze your investments on a quarterly basis.

Montgomery Retirement Plan Advisors helps our clients with:

  • Investment advice as an ERISA 3(21) fiduciary or by accepting full delegated investment responsibility under ERISA 3(38)
  • Investment Policy Statement
  • Regular meetings with your investment committee
  • QDIA (Qualified Default Investment Account) selection and monitoring
  • In-depth quarterly investment reports
  • A clear and concise Executive Summary to identify quarterly action items
  • Meeting minutes that clearly document investment decisions
  • Special reports and benchmarking of Target Date Funds and Stable Value investments

Right on Target

Target Date Funds (TDFs) are offered in over 70% of defined contribution plans and hold over $1 Trillion in total plan assets. Commonly misunderstood, these investments deserve special consideration, as they can be complex and vary widely among providers. In a special report that follows the Department of Labor’s bulletin, Target Date Retirement Funds – Tips for ERISA Plan Fiduciaries, we help identify the proper TDF structure and a suitable provider for your plan.

MRPA is one of a select group of retirement plan consulting firms to be CEFEX® certified by the Centre for Fiduciary Excellence for their capabilities and fiduciary practices. We are voluntarily reviewed on an annual basis by CEFEX, generally through a rigorous on-site examination, to certify our compliance with fiduciary best practices, including potential conflicts of interest.

The CEFEX Public Certification Report states “The Montgomery Retirement Plan Advisors continues its commitment to the industry best fiduciary practices. Of particular note is their willingness to assist plan sponsor clients in designing and implementing a customized retirement plans for their employees with the best mix of funds and other service providers. The Advisor excels in its frequent monitoring and analysis of existing funds in the lineup. The Advisor proactively replaces funds which for one reason or another become less beneficial to the participants. The Advisor continues to pro-actively adjust his practice as the retirement plan landscape continues to evolve in a way that best serves the interests of its clients.”

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