Is Your Company-Sponsored Retirement Plan Meeting Participant Expectations?

Each retirement plan deserves careful attention for optimization and proper fiduciary coverage

Is Your Company-Sponsored Retirement Plan Meeting Participant Expectations?

Each Retirement plan deserves careful attention for optimization and proper fiduciary coverage

HCM-Guided Retirement provides risk-based strategies to assist plan sponsors in providing participants a path towards retirement.

Why Retirement Plans Matter

Numerous studies are being conducted to evaluate the quality of retirement plans by plan participants. There is growing evidence participants are seeking greater value out of this benefit.

Charles Schwab

“According to Charles Schwab’s 2021 401(k) Participant Study, more than six in 10 participants (61%) believe their financial situation warrants professional advice, an increase compared with 2020 (50%). Forty-four percent want help calculating how much to save for retirement. And 39% want specific advice on how to invest in their 401(k)s.”

JP Morgan

“Most participants want help selecting investments, and a growing number expect employers to provide it. In their recent 2021 Defined Contribution Plan Participant Survey Findings, more wish they could push an easy button and completely hand over retirement planning – 62% in 2021 and 66% think employers should provide access to financial professionals/coaching to help.”

Morningstar®

“According to a Morningstar® study, The Impact of a Managed Account Services on Savings and Investment Decisions, Morningstar® found that the managed account solution utilized by individuals generated an annual income was 56% (net-of-fees) more during their retirement, compared to those individuals using prepackaged accounts. The study also found managed accounts are more efficient in seeking risk-adjusted returns, providing appropriate risk levels and investing in higher quality funds.”

How HCM-Guided Retirement Works

HCM-Guided Retirement is a program designed to help select and implement investment strategies in company-sponsored retirement plans. A product of Howard Capital Management, Inc. (HCM), a SEC-registered investment advisory firm, this solution utilizes HCM’s proprietary software and the HCM-BuyLine® to allocate, rebalance and monitor plan participant portfolios.

Our Models

Blended Model Solution:

  • Automated Custom Model Service
  • Automatic Quarterly Rebalancing
  • HCM-Buyline® Stop-loss Indicator
  • 3(38) Fiduciary Coverage
  • Provides Recommendation on Plan Line-up
  • Monitor Fund Line-up and make changes
  • Investment Policy Statement
  • QDIA Option
  • HCM Mutual Funds used in custom model

Risk-Based Custom Model Solution:

  • Automated Custom Model Service
  • Automatic Quarterly Rebalancing
  • HCM-Buyline® Stop-loss Indicator
  • 3(38) Fiduciary Coverage
  • Provides Recommendation on Plan Line-up
  • Monitor Fund Line-up and make changes
  • Investment Policy Statement
  • QDIA Option

“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 and more diverse fund line-up

Assist with recordkeeper documents and plan design provisions

Assist the financial advisor on the plan

White-labeling of application for seamless installation and usage

Data capturing tools (i.e. calculators and worksheets) for personalized outreach efforts

Additional offering for the employee’s benefits package (supports 401(k), 403(b), and 457 account holders)

Tailored to plan participant’s risk preferences and goals

Provide education (webinars, seminars, etc.) and marketing to plan participants

Ability to give plan participants access to the HCM-BuyLine® indicator

Ongoing service and support

Get Started

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. 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.