Investment Change Evaluations

Essential Questions for Plan Sponsors

Learn your investment consultant's value add/loss and discover patterns that can be used to improve future investment decisions.

If your investment consultant has discretionary authority, our unique performance metrics can provide ongoing scoring of their value add/loss.

Although participants have choice, many plan changes are left to the plan sponsor. Score those decisions and improve future decisions.

The investment consultant is critical to plan success. A professional and thorough search will ensure the right fit for ongoing success.

Is your investment consultant adding value? You can try to guess, but if you rely solely on your investment consultant's reports, you will find it impossible to answer.

Fiduciary Protection

Monitoring the investment process is paramount for a fiduciary. Our objective analysis gives peace of mind.


Our studies provide insights not available in standard investment reports.

Apply the Results

Our studies will improve the investment process and future decisions.


Our studies will continue to help beyond the initial report.

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  • keller
    The greatest tragedy in life is people who have sight but no vision.
    -Helen Keller
  • stevenson
    Change is inevitable. Change for the better is a full-time job.
    -Adlai Stevenson
  • sarnoff
    Finance is the art of passing currency from hand to hand until it finally disappears.
    -Robert Sarnoff
  • lynch
    The key to making money in stocks is not to get scared out of them.
    -Peter Lynch
  • buffett
    Risk comes from not knowing what you're doing.
    -Warren Buffett
  • churchill
    If you have knowledge, let others light their candles with it.
    -Winston Churchill
  • drucker
    The entrepreneur always searches for change, responds to it, and exploits it as an opportunity.
    -Peter Drucker
  • confucius
    Only the wisest and the stupidest of men never change.
  • franklin
    When you are finished changing, you are finished.
    -Benjamin Franklin
  • buffett
    Wide diversification is only required when investors do not understand what they are doing.
    -Warren Buffett
  • trump
    Sometimes your best investments are the ones you don't make.
    -Donald Trump
  • templeton
    The four most dangerous words in investing are, "This time it's different."
    -John Templeton
  • lynch
    In this business, if you are good, you are right 6 times out of 10. You are never going to be right 9 times out of 10.
    -Peter Lynch
  • churchill
    All men make mistakes, but only wise men learn from their mistakes.
    -Winston Churchill
  • buffett
    Price is what you pay. Value is what you get.
    -Warren Buffett
  • keynes
    The social object of skilled investment should be to defeat the dark forces of time and ignorance which envelope our future.
    -John Maynard Keynes
  • ruth
    Every strike brings me closer to my next home run.
    -Babe Ruth
  • armour
    The best way to win is by making fewer bad shots.
    -Tommy Armour
  • anonymous
    Experience is the best teacher. Except you get the test first, and the lesson second.
  • zwieg
    It's okay to be wrong. It's not okay to stay wrong.
    -Martin Zweig
  • hogan
    Golf is a game of misses. The guy who misses the best is going to win.
    -Ben Hogan
  • kettering
    A problem well stated, is a problem half solved.
    -Charles Kettering
  • anonymous
    When you don't get what you want, you get experience.
  • santayana
    Those who cannot remember the past are condemned to repeat it.
    -George Santayana
  • jefferson
    With the right information, people make the right decision.
    -Thomas Jefferson
The 401-Focus

Self-Directed defined contribution plans such as 401(k), 457, and 403(b) plans offer participants investment choice. The ability to customize the asset allocation among various active and/or index funds is a powerful benefit when it comes to achieving a secure retirement.

Even though participants can choose from many options, the plan sponsor must first choose which options are available. In addition, the plan sponsor must monitor those options and sometimes may even "map" funds. Adding new asset classes, managing a Qualified Default Investment Alternative (QDIA), and terminating mutual fund options are also investment decisions at the plan sponsor level.

More often than not, the reports provided to plan sponsors have incomplete feedback loops. A 401-Focus will complete the various feedback loops and determine:

  • Ability to Identify Future Out-Performance
  • Average Alpha (Positive & Negative)
  • Weighted Average Alpha
  • Alpha Cycle Analysis
  • Mapping Success
  • Mapping Dollar Estimate
  • Fee Changes

A 401-Focus will provide plan sponsors a powerful report to evaluate past investment changes.
Specifically, a 401-Focus will provide:

  • Compliance Monitoring
  • Plan Sponsor Education
  • A Basis for Better Future Decisions

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