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Investment Options

The 2nd component of your customized 401(k) solution

Mighty oaks from little acorns grow.

Without the right tools, achieving results is more difficult. That’s why we focus on finding a range of quality investment options that fit your plan at competitive prices.

As independent fiduciaries, licensed with the U.S. Securities and Exchange Commission (SEC), we’re held to a higher standard of care than investment professionals who are not fiduciaries. We stand by our obligations一legal and ethical一to structure your 401(k) investment menu with your best interests in mind.

We also bring our extensive experience of the investment landscape to bear, with a deep understanding of available platforms, strategies, funds, and share classes to help identify opportunities for your money to grow.

Components of our plan design include:

Serving as an ERISA 3(38) or 3(21) Fiduciary

Your financial risk and liability for plan investments and administration will depend on your selection of either a 3(38) or 3(21) fiduciary structure. Oakbourne can serve in either capacity and can assist in selecting the option that best suits your needs:

  • A 3(38) fiduciary undertakes discretionary control of plan assets along with full liability for all their decisions.
  • A 3(21) fiduciary shifts financial liability to either an internal or third-party fiduciary (often the plan trustee). A 3(21) fiduciary offers broad investment guidance and recommendations, but the co-fiduciary is responsible for all decision making and any subsequent financial risk.

RPAG and Fi360 screening 

We use industry-specific technology platforms such as RPAG and Fi360 to help build custom investment solutions that meet your specific investment, compliance, benchmarking, and other requirements.

Comprehensive and ongoing fund and platform due diligence 

We regularly monitor strategies, vehicles, share classes, expense ratios, and other fund features to ensure plan investment options provide optimal value and opportunities to participants.

 

We regularly use well-known and established investment platforms such as John Hancock Financial, Principal Financial, Empower Retirement, Ascensus, and more.

Payroll integration support

Where applicable, we can help mitigate the burden of retirement plan administration through integration with your existing payroll system. Not only can this save your business time and other resources, but it also provides greater data accuracy and reliability. 

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Oakbourne Advisors also provides private wealth advisory services strictly by referral or invitation.