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Participant Solutions

You can access our investment professionals to bring real expertise to their own employer sponsored retirement plan.

Participant Plans

Does RIA Advisors serve as your employer’s retirement plan advisor? Access your retirement plan account by selecting your plan’s record keeper from the dropdown below. You will be able to:
  • Enroll in your plan (please contact your plan administrator for info)
  • Update personal information
  • Change your investment elections
  • Change your contributions
  • Request certain transactions
  • Access educational resources
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Participant Solutions for Retirement, Participant Solutions

Let RIA ADVISORS Manage Your 401k For You

Finding the time to invest and keep up with your 401(k) can be a challenge. Are you overwhelmed by your investment choices? Not sure about how you should position your portfolio? RIA Advisors can now directly manage your personal 401(k) plan account. By utilizing a secure platform provided by FEEX, RIA Advisors reviews, selects, monitors, and rebalances the investment choices available within your 401(k) all with your financial goals and objectives in mind. The FEEX platform is extremely flexible and allows RIA Advisors to manage your 401(k) account regardless of where it is held.

The account connection process is simple, safe, and secure. Your 401(k) account stays in your name and remains with the financial custodian. RIA Advisors never has access to your personal log-in information. We cannot request any distributions from your account, nor can we change any of your personal account information.

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401k Plan Manager

1. Understand your allocation options:

CORE STRATEGY

The core strategy consists of holdings that are based on market fundamentals, valuations, and long-term market trends. These are holding that should be considered “long-term” investments and should primarily track the benchmark index over time. The turnover of the portfolio should be extremely low with the exception of rebalancing periods due to market gyrations.

TACTICAL STRATEGY

The tactical strategy consists of holdings which based on the short- to intermediate-term trends of the market. As macro-economic, monetary and fiscal policy, and investor psychology impacts markets, the holdings in the tactical strategy will shift to take advantage of market rotations. Importantly, this portion of the portfolio can move to all cash if needed to reduce risk in the event of a market downturn.

FIXED INCOME

The fixed income strategy is designed to both take advantage of changes in interest rate and inflation expectations, but also deliver a lower degree of volatility to the overall portfolio. The primary focus of the fixed-income portfolio is to protect capital, generate income, and lower overall portfolio volatility.

2. Choose the financial strategy that best fits your retirement goals and let RIA do all the work for you:
Current Target
Participant Solutions for Retirement, Participant Solutions
Risky
Conservative
Participant Solutions for Retirement, Participant Solutions
Participant Solutions for Retirement, Participant Solutions
Aggressive Growth
100% Stocks
0% Bonds
Participant Solutions for Retirement, Participant Solutions
A portfolio that is 100% exposed to stocks for investors seeking to obtain "benformance". This portfolio is most suitable for younger investors with a long-term time horizon to retirement.
Growth
80% Stocks
20% Bonds
Participant Solutions for Retirement, Participant Solutions
For investors still wanting more growth from their portfolio, but with a slightly lower risk profile. The addition of fixed income lowers overall volatility. This portfolio is suitable for investors with a 10-20 year time horizon to retirement.
Balanced
60% Stocks
40% Bonds
Participant Solutions for Retirement, Participant Solutions
Investors seeking a more conservative approach that will track a balanced index may find the balanced. With lower volatility, but with a growth component, the portfolio is suitable for investors 10-15 years to retirement.
Conservative
40% Stocks
60% Bonds
Participant Solutions for Retirement, Participant Solutions
For those approaching retirement and are more (<10 years) concerned about capital preservation over growth, the conservative model may be useful. With a lower exposure to stocks, volatility is reduced and should protect portfolios against potential market drawdowns.
Ultra Conservative
20% Stocks
80% Bonds
Participant Solutions for Retirement, Participant Solutions
For investors rapidly approaching retirement, where funds will be rolled out of company retirement plans, an ultra-conservative model may be useful in ensuring capital protection. Useful for individuals within 24-months of retirement.
Fixed Income Only
0% Stocks
100% Bonds
Participant Solutions for Retirement, Participant Solutions
For individuals within 12-months of retirement, an all fixed income portfolio may be appropriate to protect capital before the roll-over process. If your window to retirement is longer than 12-months, the Ultra-Conservative model may be more appropriate.
Asset Class
CORE STRATEGY
Large Cap Blend (Ex. S&P 500 Index)
25
20
20
15
5
Large Cap Growth
10
5
Large Cap Value
5
Large Cap Dividend
5
10
10
Mid Cap Growth
10
5
Mid Cap Value
5
5
Small Cap Blend
15
15
5
TACTICAL STRATEGY
International Growth
5
5
5
International Value
5
5
International Blend
5
5
Emerging Markets
10
5
Real Estate
10
10
10
5
5
Commodities
10
10
FIXED INCOME
Short Term Core
5
10
20
35
Intermediate Core
10
15
30
30
30
Global Fixed
10
10
15
10
High Yield Bond
10
5
Inflation Protected
5
10
15
25
CASH
Retirement Reserves/Stable Value
 
5 Year Standard Deviation
15.8
13.1
9.8
6
4.4
3
5 Year Annual Return
16.7
13.8
10.7
7.9
5.8
3.4
5 Year Maximun Drawdown
-34.3
-30.2
-24.5
-16.7
-11.2
-8.2

Commentary (as of 1/27/2023)

It is a very confusing and difficult market to navigate currently. Last year, defense won the game, with Dow outperforming the Nasdaq by the widest margin in over two decades. This year, the Nasdaq is up more than 8%, and the “Generals” have re-emerged as market leaders.

Yet, this all occurs against a fairly dismal backdrop of data, as discussed in our recent post on “Contrarianism:”

      1. The Fed is remaining aggressive on monetary policy.

      1. Central banks are reducing liquidity to markets.

      1. Inflation remains problematic.

      1. Earnings remain elevated.

      1. The economy is slowing.

      1. Consumers are running out of savings.

    We certainly agree with the more dismal outlook and continue to suggest that investors should be more cautious in their portfolio allocations. However, this is also the point where investors make the most mistakes. Emotions make us want to avoid all risks of loss. That is why investors almost always “sell” at the bottom of markets when they should buy.

    Such is the point where we are today. There are lots of reasons to be bearish. However, the technical improvements in the market suggest investors should be buying. It’s hard. It also doesn’t mean it will immediately work, as the markets could correct first before the final bottom.

    But this is the risk of investing. To make money investing in the financial markets, you have to put capital at risk of losing it. No “risk-free” investment will provide substantial rates of return over the long term. The question that investors must answer for themselves is how much of the “risk” has been removed from the financial equation.

    Unfortunately, no one knows the answer. All we can do is make our best guess.

    And that is the hard part.

    Such is why over the last three weeks, we have repeatedly discussed the technical improvement of the market and the message it was sending. That technical improvement continues to push us to cautiously increase exposure. We continue suggesting adding exposure on the equity side of the portfolio and further reduce cash levels. However, continue maintaining an overweight position in cash and short-term Treasuries. 

    As we add exposure, we continue to tighten up stop-loss levels, hedging our portfolios as needed, and looking to rebalance the portfolio back to target weightings.

    Until the market confirms the “bear market” is over, we continue to trade cautiously. We DO NOT have to be early for the next bull market. When it comes, there will be plenty of time to participate in it and grow capital successfully.

    As noted, with the longer-term MACD signal on a “buy,” which now confirms the short-term buy signal, there is hope the market could be trying to find a bottom. For now, continue to give the market some time to stabilize and provide a clearer direction before taking on additional portfolio risk. Patience will be key in not making a mistake. 

    Continue managing risk for now. We will give you instructions on when to increase exposure as it occurs.

    1. Tighten up stop-loss levels to current support levels for each position. 
    2. Hedge portfolios against significant market declines. 
    3. Take profits in positions that have been big winners 
    4. Sell laggards and losers. 
    5. Raise cash and rebalance portfolios to target weightings. 

    Notice, nothing in there says, “sell everything and go to cash.”

    If you are close to retirement or are concerned about a pickup in volatility, there is nothing wrong with being very underweight equities. It is better to be safe than to give up dreams of retirement to rebuild lost wealth.

    Model Performance

    Model performance is a two-asset model of stocks and bonds relative to the weighting changes made each week in the newsletter. Such is strictly for informational and educational purposes only, and one should not rely on it for any reason. Past performance is not a guarantee of future results. Use at your own risk and peril.
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