Thanks for the feedback. To clarify, we are not an active investment manager. We follow a strict investment process and aren’t making changes on a regular basis

Thanks for the feedback. To clarify, we are not an active investment manager. We follow a strict investment process and aren’t making changes on a regular basis. Our portfolios have a long term investment objective and are matched to each employee’s personal risk profile. We do not try to time the market. The IRS/DoL requires plan sponsors to monitor plan investments, so we take discretion over this to reduce the burden on the employer and reduce their liability. Our team used to manage institutional money at the largest asset managers, and includes a CFA charter holder. Our portfolios are built using the same quantitative methods used by institutions, and seek efficient, low cost diversification.