The Open Architecture 401(k) Retirement Solution
The EZ 401(k) Retirement Solutions recognize that no one fund family can offer historically high performing mutual funds and collective trusts in every category. We offer access to all funds available through our trading partners. Our trading partners provide us with the choices of thousands of no-load, no-transaction fee, same-day settlement mutual funds and collective trusts from which we develop a plan's investment options. This type of platform is commonly referred to as an "Open Architecture" platform because there are no predetermined lists of available funds. We are free to objectively select investment alternatives that are best-in-class.
The Open Architecture 401(k) Retirement Solution Provides:
- 5 ETF Portfolios, 11 Individual Collective Trusts, Target Date Funds, and Mutual Funds
- The solid investment strategy and relative cost efficiency of ETFs*
- An Investment Policy Statement
- On site enrollment meetings and Power Point enrollment seminar
- Bundled or Semi-bundled recordkeeping and administration
- Fee transparency, total disclosure, nothing hidden
- Ongoing support and training for the Advisor, Plan Sponsor and TPA**
Securities and advisory services offered through NPC of America (NPCOA), Member FINRA/SIPC, a Registered Investment Adviser. Granite Retirement Services LLC, Avatar Associates, and NPC are separate and unrelated companies.
Avatar Associates, an SEC Registered Investment Adviser, provides plan participant advice through the use of a questionnaire designed to direct the participant to an appropriate ETF model portfolio. Participants may independently choose to invest in securities outside of the ETF model portfolios. NPC IARs provide educational services to plan participants.
*An investment in Exchange Traded Funds is subject to risk. The value of an investment and the return on invested capital will fluctuate over time, and, when sold or redeemed, an investment may be worth less that its original cost. ETFs will fluctuate with changes in market conditions and may not be suitable for all investors. In many cases ETFs have lower expense ratios than comparable index funds. However, since ETFs trade like stocks, they may be subject to brokerage fees and trading spreads. ETFs do not necessarily trade at the net asset values of their underlying holdings, meaning an ETF could potentially trade above or below the value of the underlying portfolio.
**TPA (Third Party Administrator) - a financial administrator that handles the processing and paperwork for retirement plans and/or health insurance or self insurance. (Source: http://en.wikipedia.org/wiki/Third_party_adminstrator)