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
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
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.
0% Bonds
20% Bonds
40% Bonds
60% Bonds
80% Bonds
100% Bonds
Commentary (as of 5/13/2022)
“Will the selling ever stop? “
That was more than one email I got this past week as the S&P 500 index flirted with a YTD correction of 20%. While it was incredibly easy to invest last year, 2022 has been but. However, with the Fed tightening monetary policy, inflation still running hot, and the economy slowing, we may not be near a lasting bottom just yet. However, as noted over the last couple of weeks, we do think we will have a tradeable rally to reduce risk and rebalance into.
The markets continued to work themselves further into a deep oversold condition on both a daily and weekly basis. As we suggested last week, such types of extreme oversold conditions are conducive for short-term market rallies.
As noted last week:
“Importantly, the market has done nothing wrong at this juncture except continue to remain in a consolidation process since last September. While this is certainly frustrating for investors, it is also the type of market that leads to a lot of investor mistakes over time. Therefore, it is important to keep the current correction in context of the 26% increase in 2021. Yes, there has been a lot of volatility, but the market continues to hold key supports for now.”
The month of May which ends the seasonally strong period of the market, has been anything but. Of the entire decline in the S&P 500 this year, roughly 90% has occurred since the March rally peak. These very rough starts to the year historically don’t bode well for the year in total. As such, we continue to suggest keeping a slightly reduced risk level in portfolios.
Continue to underweight international and emerging markets, and small and mid-cap markets, for large capitalization weighted holdings for now. Furthermore, continue to keep all NEW contributions stored in your cash alternative or stable value fund. If you don’t have access to either use the shortest-duration bond fund in your choices.
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 have to give up dreams of retirement to rebuild lost wealth.
Model Performance
