Did you Know:

  • 17% of eligible employees NEVER enroll in their Retirement Plan;
  • 34% of those over age 55 have less than $50,000 saved for retirement;
  • 58% of American workers have not done calculations to figure out if they were saving enough for retirement;
  • 4 in 10 workers are not currently saving at all.

Why Would You Benefit?:

TIME:
   Most plan participants do not have the time necessary to effectively manage their retirement accounts. We will take the time for you.
TALENT:
   Most participants do not have training in investments and investment strategies. In today's environment, participants are required to figure it out for themselves. Over the last 10 years the stock market has averaged a higher than 10% return per year, while 401(k) participants have averaged less than 3% per year. With proper asset allocation, we’ll help you turn that around.
TEMPERAMENT:
   Most participants are overwhelmed by the ups and downs that take place in the market. Investors make the wrong decisions 75% of the time during down markets. We’re here for you.

Why AdviseMe! ?:
Pension Advisors has been offering individual investment services since its inception in 1999. While a great majority of participants are thrilled with the investment advice received, far too few actually put the plan into action. We’ve heard a consistent message from plan participants, ”can’t you please do this for me”. Our response used to be “no, we can merely advise you on the changes but you will have to take it from there.” But, we have listened to you and have taken your request to heart. In response to you, as well as to the great need that we have seen in the marketplace for hands-on, individually managed 401(k) accounts, we have created AdviseMe!.

“The evidence is growing that personal interaction is integral to changing savings
behaviors: The key is reaching people on an individual basis”

How does it work:

Introduction:
   Pension Advisors will meet with plan participants to introduce AdviseMe! and fully explain this new program.
Interested Participants::
   Will meet with our advisors on a one-to-one basis to complete an Investment Profile Questionnaire designed to measure your risk tolerance, investment timeline, and retirement goals.
Analysis::
   Through your responses we will be able to assess your retirement goals and saving needs. You will then be given an individual investment recommendation that details the investment portfolio that will be implemented.
Account Management:
   Once your account has been transferred to its proper portfolio, rest assured it will be continuously monitored and periodically rebalanced taking into consideration all of the personalized data available. To enable you to monitor your progress, you will receive a quarterly portfolio review, a Morningstar “snapshot” statement, as well as an Account Statement from your vendor.

Nuts & Bolts:

Our Portfolios:
   We have designed five portfolios to meet the diverse needs of plan participants. Each portfolio has varying asset allocation levels to accommodate the unique needs of every participant.
Our Resources:
   Pension Advisors has teamed up with one of the leading economists and asset allocation specialists in the country to create, as well as monitor, our portfolios. In addition, AdviseMe! uses cutting edge technology powered by Morningstar, a leader in investment information research, to stay in step with industry changes, technology advancements, and regulations which could affect your investment portfolio.
Our Guidance:
   As one of the only pension advisory firms to offer clients a managed account product, we are thrilled to be offering this service to you. We will still be available to you, as always, for all of your pension questions, issues and concerns as well as any other investment questions you may have.