Innovation is the heart and soul of successful companies. Isn't it time retirement plans caught up?

Introducing G Fiduciary - An innovative, independent fiduciary plan, created to:  

  • Expand retirement income security for employees
  • Eliminate virually all fiduciary risks for employers 
  • Reduce administrative costs for all

The retirement plan landscape has changed forever.  That has brought about what change always brings about:  chaos and opportunity.

You can't read either the financial or the popular press today without coming across articles that describe the instability of Americas new retirement system. Professionally managed defined benefit plans have been in large part replaced by self-directed defined contribution plans. Bad news for American workers (who already save too little) since these plans produce investment returns far below the broad market as much as 78 percent below the market, according to a recent 20-year study**. In addition to low savings rates, below-market returns add insult to injury. Why? Poor investment strategies combined with extra, often hidden costs. That's part one of chaos.

Chaos, part two, is the fiduciary liability being unwittingly assumed by directors, officers and HR professionals at the companies that sponsor retirement plans. High-profile plan failures and a rash of recent class-action lawsuits targeting plan sponsors have made real a long-standing concern: simply due to the complex and widely misunderstood regulations governing 401(k) plans, individuals at plan sponsors, perhaps no different from your company, are now saddled with fiduciary risks they may not even understand.

 

The final part of the chaos is something no modern business needs: untold and unpredictable additional costs for instituting and administering 401(k) plans costs beyond the already heavy responsibilities of simply running your company.

Which brings us to the opportunity.  And to G Fiduciary, the innovative plan developed to take advantage of it. G Fiduciary is the solution to the chaos, the answer to the need.

This opportunity has been created by a new combination of low-cost investment strategies, changes in regulations and advanced, automated business processes. This opportunity has been captured by a group of exceptionally experienced retirement plan and financial professionals who have developed G Fiduciary's independent fiduciary platform that produces powerful benefits:

  • G Fiduciary ensures that investment returns track the broad market, bringing greater retirement income security to participants;
  • G Fiduciary eliminates virtually all fiduciary risks for plan sponsors; and,
  • G Fiduciary dramatically reduces administrative costs and overhead.

G Fiduciary is the future of retirement plans.



Tom Peterson
Dan Peterson
Managing Directors


** The Dalbar study, released in 2004, documented that, over a 20-year period, self-directed mutual fund investors achieved 2.6% annual returns while the overall equity market earned 12.2%. A portion of that alarming 9.6% annual gap can be attributed to poor investment strategies, and the rest is due to extra, often hidden, fees and expenses.