Our Services
Elevated Investment Partners offer services that add value through education, consulting, implementation and measuring progress to help meet our client’s expectations and goals.
RETIREMENT PLAN CONSULTING
We believe in a fiduciary process that involves reviewing specific items and data points that need to be addressed every year by a plan sponsor of a retirement plan. It’s our goal to consult and educate around all the critical facets of a defined contribution and defined benefit plan, with the goal of helping employees maximize the benefit, while keeping cost competitive and working as efficiently as possible while mitigating risk.
Most employers have several moving parts to their retirement benefit package. It is our goal to understand the complexity and goals of the employer so that we can help them find the right vendors that have expertise, technologies, capabilities and competitive cost so that employees and employer can get the most out of their retirement benefit package. Who said it had to be difficult to offer great retirement benefits?
Every retirement plan has a person, committee or organization that is responsible for managing the investments in the plan. A 3(38) Investment Manager is a codified investment fiduciary on a retirement plan as defined by ERISA section 3(38). The name of this particular fiduciary makes it easy to guess its role. Essentially, the 3(38) is responsible for selecting, managing, monitoring, and benchmarking the investment offerings of the plan. We provide 3(38) services with an elevated level of service and care.
It is always important to keep your employees informed about their retirement benefits. The more educated employees are about their retirement benefit plans, the more likely they are to make the right decisions to help them achieve their retirement goals. We offer employee newsletters, onsite & online meetings and phone consultations. Our goal is to help employees understand where there are today and how to get where they want to go. We have the ability to proactively reach out to employees in an effort to educate those that show behaviors in the plan(s) that might alert possible inefficiencies, misunderstandings or perhaps just haven’t taken the time to take appropriate action to help them maximize their retirement benefits.
Most employers already offer a high deductible health insurance plan that is compatible with a Health Savings Account. Let us help you and your employees maximize the effectiveness of their HSA benefits by finding the best HSA vendor and educating employees on how to properly utilize their HSAs. In today’s world, HSA accounts should go hand in hand with other retirement benefits.
In today’s landscape, employees are pushed in several directions financially and many do not know where to turn to get help. Studies show that employees are well aware of the need to save for retirement, but what about all the other decisions that often times feel more important, or at minimum, distract employees from taking proper action. A comprehensive financial wellness program that goes beyond just retirement plans, can help your employees deal with financial stress and make sound financial decisions so that they can keep their minds focused on work during business hours and achieving their personal goals.
We know what an ESOP is and think they are amazing tools for ownership groups and employees. We can help ESOP companies educate their workforce on the mechanics and benefits of an ESOP to help drive culture and appreciation. Our knowledge extends to helping employers design the best employee stock ownership plan possible to help employees not only retire today but so that the company can afford to keep paying ESOP benefits in the future. We offer a range of services to help employees and employers make the best decisions around the employee stock ownership plan.
PORTFOLIO MANAGEMENT
Professional investment management for individuals and organizations to help pursue their investment objectives. We offer a discipline investment approach and high level of service to help work towards future goals. Our investment process is comprehensive and our ability to customize our investment security selection can also be advantageous for clients that need or desire an outside the box approach to investing.
This allows us to be transparent and upfront with our investment management services and cost. We do our best to minimize conflicts of interest and serve our clients in the most objective manner possible.
Behavioral mistakes cost real money. They can happen at any point in the market cycle. That’s why we believe behavior coaching is one of the most vital parts of our job description. In terms of delivering value, avoiding behavioral mistakes may be one of the most significant contributors to total value.
Why is tax management important for your investment portfolio? Because it’s not what you earn. It’s what you get to keep. Taxes have the ability to seriously erode returns over time. Investors in non-tax managed U.S. equity products (active, passive, and ETFs) lost on average 1.85% of their return to taxes for the five years ending December 31, 2019. *
These investments bring enhanced return potential to the table from outside of the typical stock and bond markets. Alternative investments have the potential to dampen the swings in overall portfolio value by having different risk and reward characteristics that can perform differently in various types of economic conditions.
Active management refers to a strategy where the investment manager makes specific investments with the goal of outperforming an investment benchmark index or target return. Passive management is an investing strategy that tracks a market-weighted index or portfolio at a very low fee. We understand the arguments supporting and opposing both actively and passively managed investments. Our research shows that there isn’t a one size fits all answer and that blended properly together, investors can benefit from both.
Strategic asset allocation is a portfolio strategy that involves setting target allocations for various asset classes and rebalancing periodically to the original allocations when they deviate due to differing returns. Tactical asset allocation is an investment style in which stocks, bonds and cash are actively balanced and adjusted. The ultimate strategy of tactical asset allocation is to maximize portfolio returns while keeping market risk to a minimum, as compared to a benchmark. Most investment manager are all or nothing in terms of strategic or tactical asset allocation. Our goal is to provide strategic asset allocation but also include tactical exposure to offer the best of both allocation strategies.
WEALTH MANAGEMENT
At Elevated Investment Partners, we provide an array of investment and insurance services to help families plan for the accumulation of wealth and the preservation there of. As independent advisors, we have the ability to take an objective view of a client’s goals, assess their strengths and weaknesses and put a plan in place to help manage their financial resources.
Having excellent ideas and a strong work ethic is great. But to have a plan in place can help you explode into your full potential. Professional investment advice may add value over the long run. It’s our job to understand where clients want to go financially and help them maximize their potential to get there.
Not everyone, but most of us do not want to be working into our 70s and 80s. Everyone has a retirement plan; it just depends if you’re ending up with a plan by default or if you’re making calculated decisions to mold retirement the way you want it to be. According to a Harvard Study, a written plan is vital for reaching your full potential. *
We all have our personal health, property, other liabilities and people that we want to protect against unforeseen disasters. Most people have a fixed budget so making sure you are utilizing your dollars in the right manner is paramount. We want to make sure you have the protection you need, when you need it, without being over insured and wasting money.
We hear the stories from people making what they thought to be a solid financial decision, and instead, resulted in an excessive tax bill. Not including taxes into your future financial planning can easily be overlooked and incredibly expensive. Paying your fair share of taxes is not the problem. We help people put a plan in place that takes taxes into consideration.