A custom investment lineup actively monitored and rebalanced by 3(38) investment experts with fiduciary responsibility.
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A staggering 72% of employees today report being stressed1 about their finances. Stressed employees are distracted employees. But you can help relieve their stress about their finances.
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.
Simple. Reduce liability. By choosing CensiblyYours, you aren’t responsible for having to select and maintain investments for your plan participants. Our partner, Kaye Capital Management, takes on the responsibility and pays for fiduciary insurance coverage when it comes to your investments. Plus, they ensure your plan meets federal 401(k) requirements.
1. Reduce liability.
2. Reduce your investment responsibility.
3. Reduce your employees’ financial stress.
4. Increase 401(k) enrollment and savings rate.
5. Increase 401(k) plan satisfaction.
1. Access to professional money management at a very low cost.
2. Access to passive index funds and target date funds based on their risk tolerance and goals.
3. Access to custom target date portfolios from the best investments available in each category class.
Choose a passive, low-cost fund and target date funds based on the Investment Policy Statement approved by you.
Offer your plan participants investment options custom suited to their goals and risk tolerance.
Continual plan monitoring to ensure it stays in compliance with all investment related guidelines.
At Ubiquity, we believe in providing the best value. CensiblyYours shares this value and delivers the best possible 3(38) investment fiduciary services at a low, flat fee3 that can save you up to $7,000. See our graphic below for the details on savings.
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.
Leverage CensiblyYours 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.
1 Source: hrmorning.com/articles/employee-financial-stress-high.
2 Decimal, Inc. conducted an evaluation of four small-business 401(k) providers in the marketplace by analyzing independent customer reviews on Google, Trustpilot, and the Better Business Bureau, as reported by unaffiliated contributors on or before September 30, 2022, with a revaluation date of January 12, 2023. The evaluation resulted in a higher score for our company compared to the other providers. We strive to provide excellent service to our customers and appreciate their feedback.
3 Flat fees are charged by Decimal, Inc. for recordkeeping and administrative services. Third-party service providers may assess asset-based fees to customers. Plan Sponsors are advised to review all service agreements with providers (e.g., investment advisors, custodians, broker-dealers) to evaluate total plan costs.
Ubiquity is not a registered investment advisor, and the information provided herein should not be considered legal or tax advice. We recommend consulting with your financial planner, attorney, and/or tax advisor for personalized advice. Ubiquity is not affiliated with any plan and investment administrative services provided through CensiblyYours Custom Index Portfolios or affiliated with any company of the Kaye Capital Management.
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