Ubiquity

CensiblyYours

Financial Wellness Tools

Introducing CensiblyYours

About Ubiquity Retirement + Savings

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 Financial Wellness Tools, 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 Financial Wellness Tools, 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
  • Edu(k)ate: Access to financial education and personalized guidance to help them prepare for life’s big decisions

Ready for More Information?
Schedule Your Free, No-Obligation Consultation Today!

Schedule Now

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 Financial Wellness Tools, 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)

Average Plan Assets

Average Industry 3(38) Fees

CensiblyYours Financial Wellness Tools

Advisory Fee

30bps

50bps

Flat Annual Fee

Annual Cost to Plan

Average Industry 3(38) Fees

Advisory Fee: 30bps
Annual Cost to Plan:

Advisory Fee: 50bps
Annual Cost to Plan:

CensiblyYours Financial Wellness Tools

Advisory Fee: Flat Annual Fee
Annual Cost to Plan:

Annual Advisory Fee Comparison

30 bps
50 bps
CensiblyYours Financial Wellness Tools

Adding a 3(38) investment fiduciary to your plan is an easy and effective way to safeguard your plan against legal liability. Unfortunately, most advisory services charge you based on a percentage of your assets. At Ubiquity, we don’t think you should be punished for saving for the future. That’s why with Ubiquity’s CensiblyYours Wellness Tools, you’ll get 3(38) investment advisory services for a low-cost flat fee per participant. Leverage the power of CY Custom Index Portfolios (powered by Kaye Capital Management), to provide small business employees with flexible, easy to understand investment strategies designed to help grow their retirement savings responsibly for a more secure financial future.

Schedule a call with one of our retirement experts today!
Get Started

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 Financial Wellness Tools, 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.

© 2019 Ubiquity Retirement + Savings
Privacy Policy
44 Montgomery Street, Suite 3060
San Francisco, CA 94104
Support: 855.401.4357

Facebook Twitter LinkedIn YouTube

© 2019 Ubiquity Retirement + Savings
Privacy Policy
44 Montgomery Street, Suite 3060
San Francisco, CA 94104
Support: 855.401.4357