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.
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.
The investment selection and management process used by Public Retirement Planners is detailed below:
- Identify how customer wishes to spend accumulated wealth
- Determine how much wealth customer needs to accumulate
- Devise optimal strategy for accumulating needed wealth
- Construct investment portfolio that will have a reasonable chance of successfully obtaining stated asset accumulation goal
- Continually monitor customer's entire investment portfolio and make adjustments when necessary
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.
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.PublicRetirementPlanners.com.
|Assets Under Management||Annually|
|$0 - $500,000||1.10%|
|$500,001 - $2,000,000||1.00%|
|$2,000,001 and above||0.75%|