We can relieve fiduciaries of retirement plans from liability for the selection and monitoring of plan investment options. This allows us to offer investment solutions that help minimize personal risk for plan fiduciaries and maximize wealth for plan participants.

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Retirement Plans

Many of the investment advisory services we provide to individuals translate directly to our corporate retirement plan sponsors. Principia helps businesses design, install and administer retirement plans that allow plan fiduciaries to transfer the risk of selecting and monitoring plan investment options to us. We accept that risk by acknowledging in writing – in accordance with ERISA – our status as an ERISA-defined "investment manager" and independent fiduciary to sponsors and fiduciaries of the retirement plans we advise. This can greatly increase the chances that plan fiduciaries will prudently discharge their duties solely in the interests of plan participants and their beneficiaries - as they are required to do by ERISA.

Due to our open architecture, plans we advise have access to virtually every institutional and retail mutual fund available. In addition, we design model portfolios that allow plan participants to target precisely the amount of risk/return needed to reach their goals. These are custom built ‘lifestyle’, or risk based, portfolios designed to be both prudent and diversified. In short, the model portfolios in our 401(k) plans let plan fiduciaries minimize risk and plan participants maximize wealth.

ERISA/ DOL Questionnaire Responses (PDF) Download Acrobat

Principia provides the lowest total cost, full service 401(k) plans available. Key features include:

  • Zero conflicts of interest & 100% cost disclosure
  • The freedom to select any mutual fund from any fund family — including access to low cost institutional funds unavailable at retail brokerage firms
  • State of the art participant website and performance reporting
  • Precisely designed, inherently prudent ‘lifestyle’ or risk based portfolios customized for each plan sponsor
  • The same low administrative cost, investment choices and service for small business 401(k) and large business plans — regardless of investments selected or amount of money invested
  • Ability to act as directed trustee

Model Portfolios can include the following asset classes:

U.S. Large Value and Growth U.S. REITs
U.S. Small Value and Growth International REITs
U.S. Micro-Cap Commodities
International Large Value and Growth U.S. High Quality Short-Intermediate Term Bonds
International Small Value and Growth Foreign Bonds – Hedged
Emerging Market Value and Growth Foreign Bonds – Un-hedged
Emerging Market Small Value Emerging Markets Bonds

OVERVIEW

  • Our plans provide the simplicity of a single integrated operation, a philosophy allowing unlimited flexibility, and truly objective investment advice to participants
  • Plans can choose from among thousands of no-load mutual funds from hundreds of families
  • Our plan design services are fee only, saving businesses and participants from unnecessary expenditures and making more money available for investment.