HCM Blended & Custom Models

Offering fiduciary support to your retirement plan lineup.

HCM Blended Models

The HCM Blended Models offer company-sponsored retirement plans four unconstrained portfolios based on the plan participant’s risk tolerance. These portfolios are tactically managed, rebalanced quarterly and utilize the HCM-Buyline® indicator.

Model Composition: Plan participants can choose between a blended conservative, blended balanced, blended growth, or blended aggressive portfolio allocation comprised of proprietary Mutual Funds.

  • Income Fund
  • Dividend Fund
  • Tactical Fund

Platforms: These models are available to all 401(k) plans that utilize the Matrix, MidAtlantic, and Empower platform. Also available on over 200 recordkeeping platforms. View full list.

Target Allocations

(Allocations subject to change)

HCM-RiskBaskedModels-7-25-22

Add our HCM Blended Models to your retirement plan lineup today.

HCM Custom Models

The HCM Custom Models offer company-sponsored retirement plans five risk-based models designed for varying degrees of risk and return objectives. These portfolios are tactically managed, rebalanced quarterly and utilize the HCM-Buyline® indicator.

Model Composition: Plan participants can choose between a conservative, conservative growth, moderate growth, growth, or aggressive growth portfolio allocations comprised of non-proprietary ETFs and Mutual Funds.

  • Equity Allocations
  • Bond Allocations

Platforms: These models are available to all 401(k) plans that utilize the Matrix, MidAtlantic, and Empower platform. Also available on over 200 recordkeeping platforms. View full list.

Target Allocations

(Allocations subject to change)

HCM-CustomModels-9-28-22

Add our HCM Custom Models to your retirement plan lineup today.

Our 3(38) Services

Our goal is to help you limit your fiduciary liability and responsibility. By partnering with HCM-Guided Retirement we can serve as the 3(38) fiduciary on your plan. In addition, the HCM Blended and Custom Models both qualify as a retirement plans Qualified Default Investment Alternative (QDIA). 

The investments are mathematically selected. We demonstrate our difference through a FI360 competitive analysis to compare the fiduciary ranking of your plan’s current lineup versus HCM-Guided Retirements proposed lineup. We Analyze total annual investment cost, performance comparisons as well as individual fund fiduciary score ranking. 

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Guided Retirement Logo

Partner with HCM-Guided Retirement Today.

The charts above represent an approximate percentage of investment choices for each model and should not be considered a guarantee or fixed percentage. May vary at manager’s discretion. 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. Qualified Default Investment Alternative (“QDIA”) General Information: You have the right to select how the assets in your retirement plan account will be invested. You may need to make investment elections upon initial enrollment under the plan, upon a change of investment options under the plan, or upon receipt of a rollover or transfer contribution into your account. If you do not follow the plan’s procedures for making investment elections timely, any contributions made to your account will be invested in the plan’s qualified default investment alternative (“QDIA”) as described below. The allocation of your account will continue in this manner until you advise the Plan Administrator otherwise. The Plan Administrator will provide you with information on the plan’s procedures for making investment elections, including other investment alternatives available under the plan. Participants retain the right to change or alter their investment elections at any time, and will not incur any additional restrictions, fees, or expenses as a result of doing so.