Fiduciary Liability Protection
As a retirement plan sponsor, you have a fiduciary obligation to always act in the best interest of the plan participants. Failure to do so can result in liability to your company. We can help you to understand these responsibilities as well as assist you in carrying them out. As an independent Registered Investment Advisor, Davidson Capital accepts ERISA 3(38) fiduciary status for all of our plans. By agreeing to always act in the best interests of the plan and its participants, we help protect your company and limit your liability. Many brokerage firms, banks, and insurance companies do not accept fiduciary status.
Straightforward Fee Structure
As a plan sponsor, you have an obligation to ensure that plan fees are reasonable. Unlike many plans that share revenue with mutual fund companies and have hidden fees that are directly taken from the mutual fund earnings, our fees are straightforward.
- No mutual fund revenue sharing
- No 12(b)-1 fees
- Low cost mutual funds
Professionally Managed Portfolios
Utilizing our firm’s wealth management expertise, we offer professionally managed portfolios for all plan participants. Most retirement plan participants select one or two funds based on the most recent performance and rarely rebalance their investments. Our plan allows participants to select a portfolio based on their individual circumstances and risk tolerance. Davidson Capital manages the portfolios and rebalances each participant’s portfolio quarterly. Plan participants receive the benefits of a professionally managed portfolio that is typically only available to high net worth clients.
Independent & Unbiased Investment Advice
We do not utilize proprietary funds or share revenue with any mutual funds. This eliminates the conflict of interest that is common at brokerage firms, commercial and investment banks, and insurance companies. Fund selection and review are completely objective. We primarily utilize exclusive institutional investment funds that are not available to retail investors. These investments provide wide diversification to reduce portfolio volatility and risk - with costs among the lowest in the industry.
At Davidson Capital, we understand the demands placed on your time and want you to focus on running your business. We work with industry leading, experienced recordkeepers and third party administrators (TPAs) who offer state-of-the-art technology including:
- Online enrollment which includes video instruction and detailed enrollment materials
- Streamlined payroll process
- Automatic reminders and e-notifications
Employee education is critical to the success of your company retirement plan. Our goal is to help participants understand the importance of retirement planning through participant meetings, on-line videos, educational material, and quarterly newsletters.