INVESTING WITH PRP


Public Retirement Planners provides investment management for your 457 plan and other retirement accounts, allowing you to devote more time to your family and less time to managing investments. Through the use of a limited power of attorney through TD Ameritrade, Public Retirement Planners acts on your behalf to manage your investments, which are held in custody by TD Ameritrade, not Public Retirement Planners. Account withdrawals, other than for our clearly stated investment management cost, are authorized strictly by the account owner.


INVESTMENT PHILOSOPHY


Our main objective is to preserve and grow your capital responsibly. We believe that the loss of capital is far more damaging than lost opportunity, but recognize that some investment risk must be taken to meet your needed level of wealth.

Our investment selection and strategy are based upon customer goals and tolerance of risk. It is the responsibility of Public Retirement Planners to earn a rate of return for our clients that is centered around preservation of capital, reduction of risk, and customer needs.

Our approach to investing is based upon identifying and selecting under-valued assets that have potential for growth. The investments that we generally select range from small to large-market capitalization equities that are listed primarily on the New York Stock Exchange, high-quality fixed-income securities, and short-term cash equivalents.



INVESTMENT PROCESS


The investment selection and management process used by Public Retirement Planners:


ESTABLISH A RELATIONSHIP WITH A CFP® PROFESSIONAL

Your CERTIFIED FINANCIAL PLANNER™ professional will explain our financial planning services and define our responsibilities.


GATHER YOUR DATA AND DEVELOP FINANCIAL GOALS

You and your CFP® professional will talk about your current financial situation and gather all necessary documents. Together, we will define your personal and financial goals, along with your comfort level when it comes to taking risks with capital.


ANALYZE AND EVALUATE YOUR FINANCIAL STATUS

Your CERTIFIED FINANCIAL PLANNER™ professional will consider all aspects of your situation to determine how to meet your goals. Depending on the services selected, your planner may analyze your assets, liabilities and cash flow, current insurance coverage, investments, estate plan or tax strategies.


REVIEW YOUR CFP® PROFESSIONAL'S RECOMMENDATIONS

Your CFP® professional will go over his recommendations, explaining the rationale so that you can make informed decisions. At this stage, your planner will also listen to any concerns you may have and revise his recommendations, if necessary.


IMPLEMENT YOUR CFP® PROFESSIONAL'S RECOMMENDATIONS

You and your financial planner will need to agree on how the recommendations will be carried out. Your CERTIFIED FINANCIAL PLANNER™ professional may carry out the recommendations himself or serve as your coach, coordinating the process with you and other professionals.


BENCHMARK YOUR PROGRESS AGAINST THE FINANCIAL GOALS YOU ESTABLISHED

As you work toward your goals, you and your CERTIFIED FINANCIAL PLANNER™ professional will decide who will monitor your progress to make sure you are staying on track. If the planner is in charge, he will check in from time to time, reviewing your situation and making any necessary adjustments to his recommendations.



INVESTMENT SELECTION


Our investment management service provides for the selection of investments, asset allocation, and periodic rebalancing. Since we act in the best interest of the customer, Public Retirement Planners selects investments with low operating costs. In order to keep costs at a minimum, the types of investments we select include: no-load mutual funds, index funds, exchange traded funds (ETFs), individual stocks, bonds, and cash equivalents. A written Investment Policy Statement is developed based upon your tolerance for investment risk, stated financial goals, life objectives, and need for income. Buy and sell decisions are made entirely by Public Retirement Planners and strictly in the best interest of the customer. Our cost for investment management is a flat 1% of assets under management. Monthly, quarterly, and annual performance reports are provided by your custodian and periodic account reviews are conducted with your financial planner. Accounts can be accessed twenty-four hours per day, seven days per week at www.AdvisorClient.com.



Tying In All Together.

Proper financial planning doesn’t just involve your investments; it takes into account your entire financial picture. That means comprehensive financial planning takes into account everything from your investments, insurance, estate plan and taxes. A knowledgeable Certified Financial Planner™ practitioner has the background and experience to know that advising in one area, such as investments, means another area of finances, such as income taxes, can be impacted.