Investment planning is far from a one-size-fits-all. An ideal portfolio should reflect employee demographics and keep pace with company growth and economic changes. Each decision and strategy should be tailored to the individual participant and their goals. Oxford Investment Group works actively with fund company sponsors and third-party administrators to ensure these priorities are met. We focus on providing solid investment choices that have a history of both steady returns and low expense ratios.
PLAN LEVEL INVESTMENT SERVICES
- Review plan’s investment objectives
- Recommend plan menu design and investment options (selection of funds/monitoring funds in plan)
- Provide investment monitoring and reporting
- Ascertain fund breakpoints. Consider platforms that offer asset-based credit to offset plan expenses.
- Hands-on communication
PARTICIPANT LEVEL INVESTMENT SERVICES
- Develop participant education and communication strategy:
- Career planning
- Personal planning (diversification of 401(k) assets vs. personal assets, etc.)
- Conduct employee education meetings
- Conduct group enrollments (quarterly or bi-annually as designed by plan)
- Conduct one-on-one participant meetings (as requested)
- Provide phone/email support to participants
- Review progress against education, strategy and goals
PLAN OPERATION RELATED SERVICES
- Attend plan committee meetings
- Review plan structure and plan design and recommend modifications as needed
- Work with TPA on maintaining ERISA compliance
- Monitor service providers
- Provide service provider transition and/or plan conversion support
NEXT STEPS
Consult with your financial professional and/or tax advisor. Trained professionals will be able to confirm your findings or direct you to another plan that’s better aligned with your specific needs and goals, and then assist you in setting up the plan.