CensiblyYours® Custom Index Portfolios

A custom investment lineup actively monitored and rebalanced by 3(38) investment experts with fiduciary responsibility.

Avoid liability: Offload the risk and responsibility of selecting and maintaining investments for your plan
Easy: Custom passive index funds and target date funds based on risk tolerance and goals
Peace of mind: Choose from the best investments available in each category class

Reduce your risk. Reduce liability.

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Is Offering Your Employees a Retirement Plan Enough?

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.

Why Offer Professionally Managed Investment Options?

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.

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

CensiblyYours^® Custom Index Portfolios: A low-cost investment lineup actively rebalanced and monitored by 3(38) investment experts
Investment tools to guide your employees to make smart investment decisions

5 Big Wins for You

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.

3 Big Wins for Your Employees

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.

Ubiquity is the #1-Ranked² Small Business 401(k) Provider in the Industry

Provider

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Ubiquity

4.3/5¹

4.6/5

4.5/5

CensiblyYours Custom Index Portfolios

401(k)s Made Easy

Choose a passive, low-cost fund and target date funds based on the Investment Policy Statement approved by you.

Give Your Employees Control

Offer your plan participants investment options custom suited to their goals and risk tolerance.

Automatic Compliance

Continual plan monitoring to ensure it stays in compliance with all investment related guidelines.

Low Cost, Professional Money Management

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.

Learn more about how Ubiquity can deliver peace of mind for you and your employees today. Talk to a retirement expert now.

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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.