Coldstream has long advised on retirement assets, whether to individuals as part of the holistic planning that we provide, or with small to midsized employer-sponsored defined contribution plan design and compliance. We see the significant role retirement plan assets can play in a successful retirement and what an impact an inferior plan can have on meeting your objectives. We also recognize that companies need a partner to share the increasingly complex and mandatory fiduciary elements involved in providing a solid retirement plan to participants.
Our 401(k) plan design suite of services delivers a robust level of investment utility, flexibility and simplicity. For you the participant, we offer a simple yet sophisticated retirement plan solution focused on a modular and risk based approach to bring broad asset diversification to your retirement portfolio. We educate participants and help simplify the process by offering an a la carte menu of 10 relevant global investment categories or 5 pre-built broad asset allocation models based on participant risk and return targets.
For employers or plan sponsors, this offering effectively shifts a substantial portion of their fiduciary obligation to Coldstream. The plan architecture is supported by our Investment Strategies Group, which consists of tenured investment professionals with a strong background in developing asset allocation models for individuals. As a result, Coldstream can assume much of the fiduciary burden for the design of the plan investment offering under ERISA 404(c).
Simplifying Good Decisions
For Plan Participants—we have built a simple yet sophisticated retirement plan solution. Using easy to grasp investment building blocks, our modular 401(k) design delivers robust levels of investing utility and flexibility regardless of participant engagement level.
Having a Fiduciary Partner
For Employers—partnering with Coldstream can mitigate sizeable portions of their fiduciary risk. Our plan investment architecture is supported by a team of tenured investment professionals with strong backgrounds in portfolio design and professional designation such as Chartered Financial Analyst (CFA®) Charter holders, Certified Financial Planning (CFP™) professionals and Certified Public Accountants (CPA).
Taking a More Relevant Approach
• Participants start with either an a la carte asset-allocation menu of 10 globally diverse investment categories or 5 pre-built broad asset allocation models based on risk and return targets.
• Plan Sponsors can extend the investment menu by adding up to 5 additional Global Alternative Strategies like Alternative Income or Commodities
• Participants can dial up or dial down their specific level of engagement with the plan and still have a well-diversified and understandable portfolio.
• Participant plan materials and ongoing education can concentrate on fewer, more powerful themes to help drive constructive behavior and better outcomes.
If you would like to know more about the 401K Services Suite, please contact a Coldstream Relationship Manager. 425.283.1600