The Tactical Allocation ETF 401(k) Solution
The Tactical Allocation ETF 401(k) Solution is designed for small and mid-sized companies and gives all plan participants access to personalized one-on-one investment education from an experienced financial adviser. The Tactical Allocation ETF 401(k) Solution is on the cutting edge of the retirement planning solution because The Tactical Allocation ETF 401(k) Solution uses exchange-traded funds (ETFs) as the plan’s primary investment option.
The Tactical Allocation ETF 401(k) Solution offers five professionally managed all ETF portfolios. Each plan participant fills out a suitability questionnaire to help in determining which portfolio is appropriate.* Each portfolio is risk based: Capital Preservation, Income, Income & Growth, Growth, and Aggressive Growth. The portfolios are actively managed by Avatar Associates , one of the most successful money management firms in the United States. These accounts are comprised totally of Exchange Traded Funds and offer efficiency with a low cost structure.
In addition to the five managed ETF portfolios, the plan's menu of investments includes individual ETF collective trusts and target date funds. There are no “hidden costs” – all costs and fees are fully transparent. Because of this, all plan participants know exactly where their money is going and how it is working for them.
The Tactical Allocation ETF 401(k) Solution provides an investment policy statement and an investment management fiduciary to oversee fund selection and defend its decisions.* Record keeping and administration services are also provided.
The Tactical Allocation ETF 401(k) Solution offers on-site enrollment meetings, on-site educational investment seminars, individually managed ETF portfolios, and disclosure of all fees.
Granite Retirement Services, LLC, has designed The Tactical Allocation ETF 401(k) Solution to be a low cost efficient alternative to compete with variable annuity 401(k) plans from insurance companies and “bundled” 401(k) plans from mutual fund companies.
The Tactical Allocation ETF 401(k) Solution could be the best total 401(k) solution for small and medium sized companies.
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.