Is your plan meeting participant expectations?
We offer investment solutions designed to help you manage your fiduciary risk and responsibility.
Is your plan meeting participant expectations?
We offer investment solutions designed to help you manage your fiduciary risk and responsibility.
HCM-Guided Retirement offers fiduciary support through
3(38) services
Building your retirement plan lineup
HCM-Guided Retirement works with financial advisors and plan sponsors to help select and implement investment strategies in company-sponsored retirement plans. Through our 3(38) service option, we aim to help you mitigate your fiduciary liability with our fund lineup oversight and management.
HCM-Guided Retirement Services Provide:
- Choice of Blended or Custom models
- Tactical management
- Quarterly rebalancing and/or in the event the HCM-BuyLine® signals
- HCM-Buyline® indicator
- 3(38) fiduciary coverage
- Implementation of plan lineup
- Monitor fund lineup and make changes
- Investment policy statement
- QDIA option
Our Models
HCM Blended Models
Four risk-based proprietary portfolios comprised of a blend of HCM Mutual Funds and the HCM-BuyLine® overlay.
HCM Custom Models
Five risk-based customized portfolios comprised of non-proprietary ETFs and Mutual Funds with the HCM-BuyLine® overlay.
Pooled Employer Plans (PEPs) with HCM-Guided Retirement
A Pooled Employer Plan is a multiple-employer plan that allows plan sponsors to group together their retirement resources under one umbrella and delegate fiduciary responsibilities to a third-party. These plans aim to lower plan costs, improve access to innovative investment management, and transfer administrative and fiduciary burdens.
Benefits of a PEP:
- Plan sponsor duties are transferred from the business owner to the PEP
- Helps mitigate fiduciary risk with 3(38) and 3(16) fiduciary coverage
- Can potentially simplify a business owner’s job by outsourcing the fiduciary responsibilities
- Access to professional management and the HCM-BuyLine® in the plan lineup
“A 401(k) can have the best funds, best price, and all the “bells and whistles,” but if participants do not understand how to allocate their investment options, they will have very little chance of success in reaching their retirement goal.”
– Vance Howard, CEO of Howard Capital Management, Inc.
The Value We Add
Provide 3(38) fiduciary coverage with fund lineup
Pooled Employer Plans (PEPs)
Assist with recordkeeper documents and plan design provisions
Provide investment policy statement
Investment risk mitigation with the HCM-BuyLine® indicator
Competitive analysis assistance and positioning support for advisors
Ongoing service and support
Partner with HCM-Guided Retirement Today.
Changes in investment strategies, contributions or withdrawals may materially alter the performance, strategy, and results of your portfolio. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment (including the investments and/or investment strategies recommended through the HCM Guided Retirement Solution), will be equal to past performance level, equal any corresponding indicated historical performance level(s), be suitable for your portfolio or individual situation, or be profitable for a client’s portfolio. Past performance does not guarantee future results. All investment strategies have the potential for profit or loss. When HCM provides investment advisory services to a retirement plan qualified under the Employee Retirement Income Security Act of 1974 (“ERISA”), as amended, it does so in its capacity as a “fiduciary,” as that term is defined under Section 3(21) of ERISA. When HCM provides these services on a discretionary basis, it does so as an “investment manager,” as that term is defined under Section 3(38) of ERISA. There can be no guarantee that the HCM-BuyLine® indicator will perform as anticipated. Stoploss protection will not necessarily limit your losses to the desired amounts due to the limitations of the HCM-BuyLine®, market conditions, and delays in executing orders. It is not an actual stoploss order that automatically sells securities in the portfolio at a certain price. Investing comes with risk, including the risk of loss. HCM cannot guarantee success of any investments. Investments and investment recommendations made by HCM, including recommendations made by HCM-BuyLine®, may result in losses. Mutual Funds and ETFs are subject to risks similar to those of stocks. Investment returns will fluctuate and are subject to market volatility, so that an investor’s shares when redeemed may be worth more or less than their original costs. There are unique potential risks associated with the specific asset classes that a Mutual Fund or ETF represents. You should carefully consider the risk, charges, and expenses of an ETF prior to investing. There can be no guarantee that the HCM-BuyLine® indicator will perform as anticipated. Stoploss protection will not necessarily limit your losses to the desired amounts due to the limitations of the HCM-BuyLine®, market conditions, and delays in executing orders. It is not an actual stoploss order that automatically sells securities in the portfolio at a certain price.