Are you paying too much for your retirement plan?
Bell Advisors is an institutional consulting firm that serves corporate retirement plans.
Our partnership with NextStep DC, an industry leader in recordkeeping and third party administration, allows us to offer some of the lowest cost and most flexible 401(k) plans in the market.
With an expense ratio at 1% lower than the average, a typical $1 million plan would save approximately $951,000 in fees and foregone interest over 20 years.
We take a quantitative approach to investing. Our computer models sample thousands of data points to construct diversified portfolios using ETFs and index funds across several asset classes.
Through this process, we select five model allocations that are based on the plan participant’s age, risk tolerance and goals generally classified in the following stock/bond ratio:
- 80/20
- 70/30
- 60/40
- 40/60
- 20/80
In addition to the cost savings, we strive to make our model portfolios as efficient as possible. We run quarterly optimization tests to update the asset allocation mix. These optimization tests tell us if we need to add or subtract funds from the given portfolio. It’s our job to make sure that our portfolios are aligned with your investment goals. In addition to our recommendations, participants are fully able to select their own investments from thousands of plan options.