Our main objective as a 3(38) investment manager is to simplify and customize the investment process for our clients at reasonable cost. To deliver on that promise, we built an ETF Model-based practice. ETFs are the next level in access, flexibility, and cost containment in the DC Plan space.
We build 3-dimensional ETF-Model portfolios that expand our asset allocation beyond stocks and bonds by including alternatives such as commodities, metals, and real-estate in a global allocation framework.
Although mutual funds still dominate the retirement investment landscape, in recent years exchange-traded funds (ETFs) have become increasingly popular—and for good reason. Below are some of the key attributes that make ETFs right for our clients:
As an ERISA 3(38) Investment Manager, we strongly believe that professionally managed, risk-based ETF portfolios in conjunction with personalized investment advice is an ideal solution for today’s DC Plans.
Managing obligations as a fiduciary can be challenging for most plan-sponsors. As a plan-sponsor you are required to navigate the landscape of available investments, analyze specific investment products, evaluate investment managers, monitor plan investments, and much more.
Our comprehensive ERISA 3(38) qualified retirement plan solution is designed to effectively take on this responsibility from you and help mitigate your fiduciary risk. The hiring of an ERISA 3(38) investment manager alters the plan sponsor’s fiduciary responsibility as its liability now shifts to choosing and monitoring the 3(38) Investment Manager.
We utilize in-house independent expertise to screen, monitor, and recommend investment options to our clients. Our investment professionals create and monitor plan investment line-ups, offering your plan investment committee access to industry best-practice for provider research and oversight.
Key Benefits of our ERISA 3(38) Solution
CRG offers independent, fiduciary investment advice – we do not sell proprietary investment products and have no affiliations with 3rd-party asset managers. Our duty of loyalty is to your plan-participants.
· Fiduciary Processes
CRG utilizes the fi360 Fiduciary Toolkit, a proven and tested methodology for screening, monitoring, and recommending investment options for your plan’s investment lineup.
Our open architecture investment platform allows us to provide our clients access to the global universe of investment and guaranteed products to build your own customized investment lineup.
If converting an existing plan, CRG® will assist you in mapping your existing investment lineup to the right CRG® ETF-Model lineup.
· Annual & Quarterly Support
Annual & Quarterly investment performance reviews and coverage status reporting using our Prudent Investor Checklist to help you track and monitor your plan’s investment lineup.
· Plan Vault & Plan-sponsor Portal
CRG® assists in setting up your Fiduciary Filing System, then provides you 24/7 access to a plan vault and plan-sponsor portal to securely house all plan documents, annual/quarterly reviews, investment manager Email communications and reports, participant communications, complete history of investment selections, reviews, and replacements, and any other documents you may wish to upload to your fiduciary portal
Portfolio personalization for plan-participants has been tagged as the future of DC investing. Recent research studies show that most plan-participants fall into the “Do-it-for-me” category that looks to the plan-sponsor to provide investment guidance.
Consistent with our objective of simplifying and customizing the investment process for our clients at reasonable cost, CRG® is proud to offer plan-participants Personalized Retirement Accounts (PRAs) and Risk-based ETF Model Portfolios.
1. Personalized Retirement Accounts (PRAs)
Personalized Retirement Accounts (PRAs) are an innovative default solution that meets the criteria for a qualified default investment alternative (QDIA), as an alternative to target date funds. The PRA is a goal-based managed account that adapts over time to help get and keep participants on track to meet retirement income goals. It can be used as the plan’s Qualified Default Investment Alternative (QDIA) or as an optional choice within the plan.
Key Benefits of our PRA Solution
The PRA solution offers plan participants an outcome-oriented solution that adapts over time and is designed to help get and keep participants on track to meet retirement income goals.
2. Risk-Based Model Portfolios
Asset allocation decisions are among the most important that you, as a plan-participant, will make. Creating an asset allocation strategy can help you strengthen your retirement savings efforts. Thinking about your intended retirement date, objectives, and attitudes toward risk will help you determine the types of investments — or asset classes — you should select; and how you would divide your savings among them.
Mutual funds still dominate the retirement investment landscape, but in recent years, exchange-traded funds (ETFs) have become increasingly popular—and for good reason. They are cost-effective, highly flexible, and technologically sophisticated. ETFs are the next level in access, flexibility, and cost containment in the DC Plan space.
We are an ETF Model-based practice and strongly believe that a risk-based portfolio of ETFs in conjunction with personalized, unbiased fiduciary advice is the ideal solution for today’s DC Plan participants.
Key benefits of risk-based ETF models for the plan-participant:
We offer plan-participants the following risk-based ETF Model Portfolios:
1. CRG® Conservative ETF Model:
Designed for those who want to limit their exposure to market fluctuations, with a time horizon of 1-3 years. Primarily focused on lower risk securities such as fixed-income and money market securities. The main goal of a conservative model portfolio is to protect principal.
Best suited for investors with low risk tolerance, at or near retirement or currently retired.
2. CRG® Moderate ETF Model:
Partly invested in growth and growth and income investments. It is designed primarily to help maintain stability of principal. The allocation seeks moderate capital appreciation, income, at a moderate exposure to market risk.
Best suited for investors with below average risk tolerance and a 5-7 year time horizon.
3. CRG® Balanced ETF Model:
A globally diversified ETF-Model portfolio pursuing a balance of growth and income. Mostly invested in equities to provide growth potential, but also invested in income-oriented investments and vehicles designed help maintain stability of principal.
Best suited with for investors with a reasonably long-term horizon.
4. CRG® Growth ETF Model:
Invested mostly in equities or similar higher risk investments focused on growth, while also offering income-oriented investments for diversification. The main goal of this model portfolio is capital appreciation. It offers higher potential capital appreciation at above-average risk exposure.
Best suited for market participants with a long-term investment horizon and above average risk tolerance.
5. CRG® Aggressive ETF Model:
The aggressive model is designed for individuals who want to maximize returns in up markets and can tolerate significant risk. The main objective of our aggressive model is very high long-term capital appreciation.
Best suited for investors who have high risk tolerance and a very long-term investment horizon.
We love our customers, so feel free to visit during normal business hours.
9375 East Shea Boulevard, Scottsdale, Arizona 85260, United States
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Cognis Retirement Group® (“CRG®”) is a State Registered Investment adviser (RIA), pursuant to the Investment Advisers Act of 1940, as amended, with principal offices in Scottsdale AZ, and branch offices in Greenwood Village CO and Orlando FL.
CRG® and its representatives are in compliance with the current filing requirements placed upon registered investment advisers by those states in which CRG® maintains clients. Copies of CRG’S current written disclosure brochure (Form ADV-Part 2A) and client relationship summary (Form CRS) discussing CRG’s business operations, services, fees, and client relationships are available from Cognis Retirement Group® upon request or may be downloaded from this site under our Legal Disclosures.
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