Our Process

Step 1/Discovery: Our job is to listen carefully. We will ask many questions to identify pain points and gaps in your existing financial picture.

Step 2/Assessment & Analysis:  This is where your financial picture crystallizes for us from an analytical standpoint. The numbers corroborate the story we uncovered in our discovery conversation.

Step 3/Proposal & Refinement: We have to start somewhere, so whenever possible we consider several potential solutions. Different scenarios are explored.

Step 4/Delivery of Recommendations:  We deliver a set of recommendations to you. You are free to implement the solutions with us or any financial provider of your choice.

Step 5/Implementation*: Should you choose to implement with us, we have access to solutions from reputable companies.

Step 6/Monitor & Review: Periodically, we will review your situation to see how your situation has changed, and whether any modifications are needed. 

*Financial plan recommendations can be implemented with the advisor of your choosing. Implementation of specific products or services may result in commissions or fees outside of the financial plan fee. Periodic reviews of your financial plan may require a new planning agreement and result in additional fees.

Our Role As A Fiduciary

What does the term ‘fiduciary’ mean in the context of your investments, and your relationship with your investment advisor? By definition, a fiduciary is someone who owes another party the highest level of trust. In our work, the fiduciary standard dictates that we go beyond ‘suitability,’ to generate advice that is first and foremost in your best interest.

An investment fiduciary is a financial professional, or any other person (eg. a board member, or other organizational representative) who has the legal responsibility for managing somebody else's money.

We act as a fiduciary in our work with companies whose qualified retirement plans we manage. We are ethically, financially, and legally bound to put your interests above all others. It’s as simple as that.

The Accredited Investment Fiduciary (AIF®)

Investment fiduciaries and professionals are constantly exposed to legal and practical scrutiny. Accredited Investment Fiduciary® (AIF®) designees have the ability to implement a prudent process into their own investment practices as well as being able to assist others in implementing proper policies and procedures.

Perry Koplik and Cameron Koplik are both AIF® designees. They have completed the requisite training, fulfilled the experience requirements, passed the conduct standards, and abide by the code of ethics expected of Accredited Investment Fiduciaries. 

Helping you develop your Investment Policy Statement

An Investment Policy Statement (“IPS”) is intended to assist your organization’s Investment Committee by establishing guidelines for making investment-related decisions in a prudent manner.

It outlines the underlying philosophies and processes for the selection, evaluation, monitoring, and, if necessary, termination of the investment options offered by the Plan. The IPS is not a contract; rather it intends to:

We will work with you to periodically review your Investment Policy Statement and, if necessary, amend it to reflect changes in the capital markets, plan objectives, or other factors relevant to your Plan.

Providing you with an appropriate range of investment options

Long-term investment performance, in large part, is primarily a function of asset class mix. As with any investment decision, one must balance the risks and rewards.