CensiblyYours® Custom Index Portfolios

Low-Cost, Flat Fees

While most advisory services take a percentage of your assets, at Ubiquity we don’t think you should be punished for saving for the future.

That’s why with CensiblyYours® Custom Index Portfolios, you’ll get 3(38) investment advisory services for a low-cost flat fee per participant. By keeping fees flat, you get to keep more of the money you save.

When you enroll your plan in CensiblyYours®, you’ll receive:

CensiblyYours® Custom Index Portfolios: A low-cost investment lineup actively managed, rebalanced, and monitored by 3(38) investment experts who share your fiduciary burden

Investment tools to guide your employees to make smart investment decisions

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Offering your employees a retirement plan is a great benefit. But is it enough?

53% of employees today report being stressed financially, and the added stress can cost employers $94-$198 per employee annually.

With CensiblyYours® Custom Index Portfolios, you can provide your employees with advice, education, and guidance to help them better manage and invest in their financial health, while also giving your business the coverage it needs to meet your fiduciary responsibilities. All at a low-cost, flat fee that costs you less.

See Just How Much You Can Save

At Ubiquity, we pride ourselves on being a champion for the future you, and flat fee pricing reflects that. Fees shouldn’t grow with your plan balance and eat away at your savings.

Employees Participating in 401(k)

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Average Plan Assets

Average Industry 3(38) Fees

CensiblyYours® Custom Index Portfolios

Advisory Fee

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Flat Annual Fee

Annual Cost to Plan

Average Industry 3(38) Fees

Advisory Fee: 30bps
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CensiblyYours® Custom Index Portfolios

Advisory Fee: Flat Annual Fee
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We Handle the Complexity, So You Can Focus on Your Business

With the CensiblyYours® investment portfolios, our partner, Kaye Capital Management, acts as your formal 3(38) Investment Manager as defined by federal guidelines.

They take on the responsibility and pay for fiduciary insurance coverage when it comes to your investments, while ensuring your plan meets federal 401(k) requirements. Kaye Capital Management will:

Create a passive low cost fund lineup based on the Investment Policy Statement approved by your plan sponsor
Offer employees investment options suited to their goals
Continually monitor the plan to ensure it stays in compliance with all investment related guidelines

The Smart Small Business Retirement Solution

When you choose CensiblyYours® Custom Index Portfolios, you get the peace of mind that comes from working with the original low-cost, flat-fee small business retirement plan provider.

We’ve helped hundreds of thousands of people save more than $2 billion for their retirement. And we always charge flat fees—never a percentage of assets—which can save your employees millions over the lifetime of their accounts.

Let Ubiquity deliver flexible, low-cost retirement savings options to your employees. We take on the complexity and legal liability—so you can focus on growing your business.

CensiblyYours®

Introducing CensiblyYours®

Low-Cost, Flat Fees

When you enroll your plan in CensiblyYours®, you’ll receive:

Offering your employees a retirement plan is a great benefit. But is it enough?

See Just How Much You Can Save

Employees Participating in 401(k)

Average Industry 3(38) Fees

CensiblyYours® Custom Index Portfolios

Annual Advisory Fee Comparison

30 bps

50 bps

CensiblyYours® Custom Index Portfolios

We Handle the Complexity, So You Can Focus on Your Business

The Smart Small Business Retirement Solution