ActiveAllocation ActiveAllocation — Investment selection and portfolio design for retirement plan investors. The foundation of our investment management style is our ActiveAllocation process. ActiveAllocation combines traditional allocation techniques with a forward-looking analysis of prevailing economic and geopolitical conditions. This exhaustive process helps us identify and select the most suitable funds from the plan's menu of investment options, and recommend specific portfolios for the participants of the plan. The portfolio selection process begins by reviewing the response to our risk profile analysis. This provides an understanding of a client’s account objectives and tolerance for risk. Next, a comprehensive review of the existing plan options is conducted in order to determine the appropriate investments for the retirement portfolio. This important step involves a careful review of the management team and a detailed analysis of performance, risk, and style purity. Core components of ActiveAllocation include: • A dynamic asset allocation approach that repositions resources among asset classes when perceived opportunities in the markets exist • Detailed investment analysis and manager reviews • Utilizes both a holdings- and returns-based approach to mutual fund analysis The following illustration outlines the ActiveAllocation process: Institutional Research
Client's Investment Objectives & Tolerance for Risk
Strategic Asset Allocation
Comprehensive Investment Review
Manager Selection
Active Allocation
Client Portfolio
Continued Analysis of Markets, Investments, and Client
Current Geopolitical Landscape
Historical Returns and Current Market Conditions Key Economic Indicators
This unique approach, coupled with the ability to make ongoing modifications to a client’s portfolio, creates a level of account management traditionally enjoyed by large institutions and high net worth individuals. To learn more about how StraightLine Advisors can benefit your company retirement plan or your individual plan account, please visit our website at www.straightlineadvisors.com, or call us toll-free at 1-866-401k-advice.
ConsultingComplete
ConsultingComplete — Plan level and fiduciary support for corporate plan sponsors. Today more than ever, plan sponsors are looking for assistance with the company retirement plan. ConsultingComplete is a service that provides plan sponsors with a partner in managing their fiduciary responsibilities. Our service provides ongoing monitoring of various plan components including investment selection and performance, plan design and fees, and participant use and education. Our third-party position allows us to provide objective insight unavailable elsewhere. When combined with the allocation and portfolio modeling tools we provide, plan sponsors can increase the effectiveness of their plan while helping employees select the most suitable investments. ConsultingComplete was designed to improve the overall retirement plan benefit offered to employees, while delivering a flexible platform that allows plan sponsors to select the components that are appropriate for the plan. Features of ConsultingComplete include:
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Quarterly fiduciary review Plan design evaluation Market and legislative commentary Fund-specific allocation modeling for participants Investment performance and selection – Manager style review – Benchmark performance – Peer group comparison – Third-party recommendations
The cost of ConsultingComplete is plan-specific. We quote our services based on a variety of factors including plan size (assets), number of participants, investments available and services desired. For more information, please visit www.straightlineadvisors.com, or call us toll-free at 1-866-401k-advice.
THE SHORTEST DISTANCE BETWEEN YOU AND RETIREMENT SUCCESS
ProAdvice
ProAdvice — Retirement plan advice for the do-it-yourself investor. For retirement plan participants who are comfortable making decisions concerning their 401(k) or similar account, but are looking for solid advice on fund selection and allocation mix, ProAdvice is the perfect solution. ProAdvice offers retirement plan participants access to objective advice that is tailored to their specific needs. We use our ActiveAllocation process in developing all investment and market related recommendations for plan participants. This process enables StraightLine to find the allocation that is most appropriate. The final decision to implement the recommendation is in the hands of the investor, and all it takes is a single mouse click. ProAdvice — helping retirement plan investors make sense of it all. Here are some highlights of ProAdvice:
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Custom risk analysis to determine your appropriate allocation Unbiased portfolio selection using your plan's investment options Continuous monitoring of all investments contained in the company plan Actionable advice that is convenient to implement using StraightLine's website Account representatives to answer questions and provide guidance Information and assistance with fund transfers, IRA rollovers, and other outside financial needs
ProAdvice is a fee-based service. A data feed interface with the plan recordkeeper is required. Your employer’s participation may reduce your actual cost. For more information, or to subscribe to ProAdvice, please visit www.straightlineadvisors.com, or call us toll-free at 1-866-401k-advice.
THE SHORTEST DISTANCE BETWEEN YOU AND RETIREMENT SUCCESS
DiscretionaryDirect DiscretionaryDirect — Full service account management for the retirement plan investor. DiscretionaryDirect brings the benefits of an objective, third-party investment manager to the retirement plan participant. Many participants lack the time, experience or interest to stay current with the markets and understand the investment options in their plan. What these retirement plan investors are looking for is professional account management. DiscretionaryDirect utilizes our ActiveAllocation process to handle all investment and market related decisions on the participant’s behalf. We then manage your account on an ongoing basis by taking discretionary control. We bring Wall Street to Main Street by helping you move toward retirement success. DiscretionaryDirect also includes:
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Custom allocation built around your risk profile and investment needs Unbiased portfolio selection using your plan's investment options Continuous monitoring of all investments contained in the company plan Access to retirement planning tools and investment and market related commentary Web-based archiving of all account activity Account representatives to answer questions and provide support Regular client communications including newsletters, email and webcast presentations Information and assistance with fund transfers, IRA rollovers, and other outside financial needs
DiscretionaryDirect is a fee-based service. A data feed interface with the plan recordkeeper is required. Your employer’s participation may reduce your actual cost. For more information, or to subscribe to DiscretionaryDirect, please visit www.straightlineadvisors.com, or call us toll-free at 1-866-401k-advice.
THE SHORTEST DISTANCE BETWEEN YOU AND RETIREMENT SUCCESS
PersonalPortfolio
PersonalPortfolio — Full service account management for the individual retirement plan participant. PersonalPortfolio is a service designed to bring the benefits of an objective, third-party investment manager to the retirement plan participant. Many plan participants lack the time, interest or knowledge to study the markets and learn about the funds in their plan. In fact, many of these investors would rather have a professional manage their account for them. Yet, most retirement plans currently don’t offer access to professional account management. PersonalPortfolio was developed with the needs of the individual plan participant in mind. We manage your account by using our ActiveAllocation process to handle all investment and market related decisions. We bring Wall Street to Main Street by helping you move toward retirement success. PersonalPortfolio also includes: • • • • • • • •
Custom allocation built around your risk profile and investment needs Unbiased portfolio selection using your plan's investment options Continuous monitoring of all investments contained in the company plan Access to retirement planning tools and investment and market related commentary Web-based archiving of all account activity Account representatives to answer questions and provide support Regular client communications including newsletters, email and webcast presentations Information and assistance with fund transfers, IRA rollovers, and other outside financial needs
PersonalPortfolio is a fee-based service. For more information, or to introduce your company to the benefits of StraightLine Advisors, please visit our website at www.straightlineadvisors.com, or call us toll-free at 1-866-401k-advice.
THE SHORTEST DISTANCE BETWEEN YOU AND RETIREMENT SUCCESS