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Author: Connie Geist

Wharton Hill Advisors > Articles posted by Connie Geist

Considering a Target-Date Fund for Your Retirement Plan?

Here’s what you need to know about this popular investment option If you are like many investors, researching, selecting, monitoring, and adjusting your investments and asset allocation within your retirement plan can be a time-consuming burden. One possible strategy to consider may be a target-date fund. A target-date fund takes much of the decision making out of which asset classes to own, at which percentage weights, given your estimated retirement date. As that “target” date approaches, the manager of a target-date fund automatically adjusts your allocations to reduce your market risk. Here are some basic facts about target date funds that you should...

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3(21) vs. 3(38): Understanding the Numbers

When shopping for a retirement plan advisor, they might advertise quite a few credentials. However, one of the most important concepts to understand is the difference between a 3(21) and a 3(38) investment advisor. Let’s look at the features of both and how it can impact your business’s retirement planning process. The 3(21) Advisor A 3(21) financial advisor must be aligned with ERISA fiduciary standards and share fiduciary liability with you, the plan sponsor. In this scenario, you have the final say regarding plan assets, while the investment advisor is liable for the advice they give to you. This may be ideal...

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