The Complete Solution

Financial Planning · Investment Counsel · Portfolio Management

Our defined, disciplined process delivers proven, comprehensive solutions that help our clients achieve a wide range of financial goals and objectives.  Not only can we meet a variety of risk tolerances and investor objectives, we have the flexibility to adapt to the changes in a client’s life.

Our client relationships are a collaborative partnership.  Financial success requires both of us, working together, doing our respective jobs.

Disclosure and transparency are paramount to our client relationships.

We serve all types of clients, including:

Individuals, Trusts, IRAs (Traditional, Roth, SEP, Simple, Inherited, Rollover), Retirement Plans (401k, Defined Benefit, Money Purchase, Profit Sharing, 403b), Nonprofits, Foundations and Endowments, and Estates.

Financial Planning

Our defined, disciplined process begins with a personalized strategic financial plan that is as comprehensive as your individual needs and situation demands.

The strategic financial plan is driven by your:

• Stage of life – accumulation or decumulation
• Goals, objectives, and time frame
• Financial resources
• Tolerance for volatility/risk
• Taxes

As your life evolves, we will monitor and guide the ongoing evolution of your plan.

Investment Counsel

We apply decades of experience along with evidence based research and  knowledge to resolve the issues and problems brought to us by our clients.

Our core investment principles:

• Asset Allocation – The mixture of stocks, bonds, and cash, is the primary determinant of a portfolio’s volatility/risk and reward.
• Diversification – Never compromise on diversification. A well-structured portfolio must be globally diversified.
• Liquidity – Never compromise on liquidity.  A well-structured portfolio must be totally liquid.
• Costs – Costs matter. Lower costs help close the gap between what the stock and bond markets earn and what a portfolio earns.
• Tax Management – Consider taxes when structuring, restructuring, and implementing a portfolio.
• Disclosure – Complete transparency to foster client understanding.
• Discipline – Stay the course – Ignore the daily gyrations of the stock market. Focus on what can be controlled – costs, taxes, and emotions.

Portfolio Management

We offer three series of strategic portfolios with asset allocations that span the risk spectrum – from conservative fixed income portfolios to aggressive equity portfolios.

• Institutional – For clients not concerned about taxes or with qualified assets
• Tax Sensitive – For clients concerned with minimizing taxes
• Tax Deferred – For clients wanting to defer taxes

Our strategic portfolios are:

• Constructed with a focus on evidence based research and knowledge
• Globally diversified
• Implemented using low cost index funds
• Rebalanced each calendar quarter
• Totally liquid
• Tax efficient

The Structure of Our Portfolios

Delivers the broadest possible diversification – sustained over the longest possible time horizon – operated at the lowest possible cost – with optimal tax efficiency – thereby assuring the highest possible share of whatever investment returns the financial markets are generous enough to provide

Co-Fiduciary Chief Investment Officer

Outsourcing an endowment, foundation, or charitable organization’s investment and portfolio management responsibilities to a Co-Fiduciary Chief Investment Officer gives the board and staff more time and resources to devote to the core mission.

OUR ONLY MISSION IS TO SUPPORT YOURS

Our advice and services are driven by a blend of knowledge, evidence-based research, and extensive long-term experience:

• Co-Fiduciary – We share the fiduciary responsibilities with your board
• Low-Cost Structure – Our low-cost structure allows you to keep more of the return generated by the portfolio
• Strategic Investment Plan & Portfolio – Defined by your mission, goals, time frame, financial resources, and tolerance for volatility/risk
• Portfolio Construction & On-going Management – Evidence-based research is the foundation for the disciplined implementation of sound fundamental investment principles
• Reporting – We provide comprehensive and understandable quarterly performance reporting with online account access

As your Co-Fiduciary Chief Investment Officer we function as an extension of your board, focusing on achieving your investment goals without conflicting loyalties.

Retirement Plans

As your adviser, our first task is to help you determine which retirement plan is the best fit for your business and for your employees – 401(k) plan, Individual or Solo 401(k), SEP-IRA, or SIMPLE IRA.  Some business owners may even consider a Defined Benefit Plan.

• The Right Retirement Plan

401(k) Plan

Advisers Investment Management, Inc. has partnered with Vanguard Retirement Plan Access  to  provide the small and mid-sized business with a cost-effective, high-quality 401(k) retirement plan solution.

Vanguard Retirement Plan Access provides an effective solution that includes low-cost investments,  transparent fees, participant education, compliance testing, on-line account access for both plan sponsor and participant, high-quality record keeping, and plan  administration—at a low all-in cost.

Advisers Investment Management, Inc. delivers a comprehensive range of advisory services as a fiduciary under Section 3(38) of ERISA.

• Plan start-up or conversion support.
• Prepare the plan’s Investment Policy Statement.
• Review the Investment Policy Statement, at least annually, to determine if changes are required.
• Provide the plan with a diversified selection of investment options.
• Monitor the performance and fees of the plan’s investment options on an ongoing basis.
• Review the plan’s investment options for additions and deletions.
• Select a qualified default investment alternative (QDIA) for participants who are automatically enrolled in the plan or fail to make an investment election.
• Meet with the plan sponsor periodically to ensure consistent operation of the plan.
• Conduct enrollment and employee education meetings to promote positive participant behavior.
• Provide plan participants with plan, investment alternative, and retirement planning information and education in accordance with ERISA requirements.

Individual or Solo 401(k), SEP-IRA, SIMPLE IRA

These retirement plans are less costly to administer and can provide flexibility to the business owner.  Advisers Investment Management, Inc. and our custodian, Axos Advisor Services provides the documentation to establish the plan, participant retirement and investment counseling, globally diversified investment solutions that range across the risk spectrum, reporting, and on-line participant account access, all at our standard low-cost fee.

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