We can’t condense 30 years of investment experience

into a two hour education meeting. It takes a career to learn everything you need to know about the entire universe of investment options, and how to build a portfolio that is optimally diversified, and appropriately weighted with the right equity to fixed income allocation for your stage in life.

So our independent experts to do it for you. At one-tenth the traditional cost for this service.

BenefitGuard provides each plan participant with a full-time investment manager who doesn’t make a living off commissions or kickbacks from selecting certain mutual funds. Our independent fiduciaries have the expertise AND legal responsibility to ensure all investment decisions are made to maximize your retirement security.

Combine this fiduciary oversight with high-performance, low-cost portfolios from the industry’s top performing mutual fund companies and you’ll benefit from the market without getting beat up, trying to beat it.

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1% reduction in annual fees = a 20% increase in your nest egg.

According to the U.S. Government Accountability Office (the investigative arm of Congress), even a difference of just 1 percentage point in fees can drastically eat into a worker’s 401(k) account balance–by as much as 20 percent or more over a career.

For the average american who earns $44,000 per year, just 1 percent in additional fees could cost them over $115,000–enough to pay for a four-year ivy league education.

The two types of retirement plan fees: those you know about…

Investment expense ratios, third party administrator fees and custodial fees (usually 1-2%).

and those you don’t.

Trading charges/commissions, market impact costs, non-fiduciary compensation (12B-1 fees) variable annuity wrap fees, SEC rule 28(e) “soft dollar,” revenue sharing, Sub-transfer agent, administrative “pass-throughs,” share class variances, shadow index funds, Intra-fund discrimination, and many more… (usually 2-5% more).

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Results: 3x more retirement income.

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