Retirement Plan Advisory

OVERVIEW          OUR APPROACH         OUR EDGE         OUR TEAM

Lowe, Brockenbrough builds a close relationship with plan sponsors to gain an in-depth understanding of their firm’s operational and organizational structure, employee demographics and the retirement plan’s goals. With this understanding, we are able to design a customized investment solution and recommend an administrative platform that complements the objectives of the plan sponsor and improves the experience of plan participants.

Plan Sponsor Experience. LB&C understands that plan sponsors face challenging compliance and regulatory requirements. Serving as a fiduciary, we work closely with plan sponsors to optimize the retirement plan experience, including investment selection, participant education, and most importantly, plan governance. In evaluating the success of each retirement plan program, we meet regularly with plan sponsors to review detailed investment analytics, participant activity, and relevant regulatory trends.

Participant Experience. Our Retirement Plan Advisory team assists plan sponsors in preparing employees for retirement through effective education and a sound investment offering. We work to gain a thorough understanding of the unique demographics of our clients’ employee base and will structure and deliver a tailored education campaign to meet their collective and individual needs. We accomplish this through effective group and one-on-one enrollment meetings and ongoing education programs.

Investment Selection and Monitoring. Lowe, Brockenbrough works with plan sponsors to develop a well-defined Investment Policy Statement which outlines the objectives and processes for selecting and monitoring the mutual funds offered in the plan. Our investment committee applies a rigorous quantitative and qualitative approach to selecting and evaluating mutual fund managers appropriate for inclusion in the plan. We develop and monitor a customized menu of investment options spanning multiple asset classes and varying levels of risk.
Retirement Plan Advisory

OUR APPROACH   OUR EDGE   OUR TEAM

We offer flexibility of service and may be engaged by plan sponsors to assist in areas which extend beyond investment advisory. In this capacity we may help plan sponsors identify and manage recordkeeping, administration and trust service providers, assist with plan design, and facilitate comprehensive participant education and communication campaigns. We meet regularly with plan sponsors to monitor the success of the retirement program and provide detailed reports on investment analytics, participant activity, fee comparisons, discrimination testing compliance reports and regulatory updates.

Investment Selection and Monitoring – LB&C carries out a rigorous process of evaluating and selecting recommended investment options for each client. At the core of our process, our CFA-led investment team utilizes proprietary screening tools and due diligence to select from over 28,000 mutual funds to uniquely construct a core menu of investment options for each client. The mutual fund screening process incorporates 15 risk, style, and return factors that we believe are relevant in identifying exceptional mutual fund options. In addition to our proprietary quantitative screening process, our investment committee subjects each fund to a thorough qualitative evaluation.

In addition to building a well-designed menu of active and passive mutual fund options, Lowe, Brockenbrough can construct and manage custom risk-and-return-based allocation models to help participants properly allocate their retirement plan portfolio and successfully achieve their retirement goals.


Retirement Plan Advisory

OUR APPROACH   OUR EDGE   OUR TEAM

Participant Experience – Lowe, Brockenbrough recognizes that many employees need support in preparing for retirement. The retirement plan advisory team of LB&C builds a foundation for plan participants to achieve an appropriate retirement outcome through effective education and a sound investment offering.

With recent studies indicating that the next generation of retirees will not have adequately saved for retirement, the need to educate employees on the benefits of retirement savings is critical. Lowe, Brockenbrough places great emphasis on building and carrying-out an effective employee education and participant communications campaign to reconcile the need to save with participant behavior. We work to gain a thorough understanding of the unique demographics of our clients’ employee base and will structure and deliver a tailored education campaign to meet their collective and individual needs. We accomplish this through effective group and one-on-one enrollment meetings. Enrollment meetings are followed-up with ongoing education programs. Our goal is to engage each participant in a manner that is comfortable, while providing a complete understanding of the educational resources and investment options available to them.

In addition to an effective and ongoing participant education campaign, it is important to provide an investment offering which allows participants of varying investment knowledge to efficiently and prudently invest. Lowe, Brockenbrough will construct a core investment menu that can provide each individual participant the opportunity to implement an investment portfolio that appropriately reflects unique investment objectives and risk tolerance. Employees with more investment knowledge may structure an investment portfolio by allocating across the full line-up of the plan’s investment options. For participants with less investment experience, a series of risk-and-return-based model portfolios are offered.

In addition to an effective and ongoing participant education campaign, it is important to provide an investment offering which allows participants of varying investment knowledge to efficiently and prudently invest. Lowe, Brockenbrough will construct a core investment menu that can provide each individual participant the opportunity to implement an investment portfolio that appropriately reflects unique investment objectives and risk tolerance. Employees with more investment knowledge may structure an investment portfolio by allocating across the full line-up of the plan’s investment options. For participants with less investment experience, a series of risk-and-return-based model portfolios are offered.

In addition to an effective and ongoing participant education campaign, it is important to provide an investment offering which allows participants of varying investment knowledge to efficiently and prudently invest. Lowe, Brockenbrough will construct a core investment menu that can provide each individual participant the opportunity to implement an investment portfolio that appropriately reflects unique investment objectives and risk tolerance. Employees with more investment knowledge may structure an investment portfolio by allocating across the full line-up of the plan’s investment options. For participants with less investment experience, a series of risk-and-return-based model portfolios are offered.

In addition to an effective and ongoing participant education campaign, it is important to provide an investment offering which allows participants of varying investment knowledge to efficiently and prudently invest. Lowe, Brockenbrough will construct a core investment menu that can provide each individual participant the opportunity to implement an investment portfolio that appropriately reflects unique investment objectives and risk tolerance. Employees with more investment knowledge may structure an investment portfolio by allocating across the full line-up of the plan’s investment options. For participants with less investment experience, a series of risk-and-return-based model portfolios are offered.

In addition to an effective and ongoing participant education campaign, it is important to provide an investment offering which allows participants of varying investment knowledge to efficiently and prudently invest. Lowe, Brockenbrough will construct a core investment menu that can provide each individual participant the opportunity to implement an investment portfolio that appropriately reflects unique investment objectives and risk tolerance. Employees with more investment knowledge may structure an investment portfolio by allocating across the full line-up of the plan’s investment options. For participants with less investment experience, a series of risk-and-return-based model portfolios are offered.

In addition to an effective and ongoing participant education campaign, it is important to provide an investment offering which allows participants of varying investment knowledge to efficiently and prudently invest. Lowe, Brockenbrough will construct a core investment menu that can provide each individual participant the opportunity to implement an investment portfolio that appropriately reflects unique investment objectives and risk tolerance. Employees with more investment knowledge may structure an investment portfolio by allocating across the full line-up of the plan’s investment options. For participants with less investment experience, a series of risk-and-return-based model portfolios are offered.

In addition to an effective and ongoing participant education campaign, it is important to provide an investment offering which allows participants of varying investment knowledge to efficiently and prudently invest. Lowe, Brockenbrough will construct a core investment menu that can provide each individual participant the opportunity to implement an investment portfolio that appropriately reflects unique investment objectives and risk tolerance. Employees with more investment knowledge may structure an investment portfolio by allocating across the full line-up of the plan’s investment options. For participants with less investment experience, a series of risk-and-return-based model portfolios are offered.
Retirement Plan Advisory

OUR APPROACH OUR EDGE OUR TEAM

In addition to an effective and ongoing participant education campaign, it is important to provide an investment offering which allows participants of varying investment knowledge to efficiently and prudently invest. Lowe, Brockenbrough will construct a core investment menu that can provide each individual participant the opportunity to implement an investment portfolio that appropriately reflects unique investment objectives and risk tolerance. Employees with more investment knowledge may structure an investment portfolio by allocating across the full line-up of the plan’s investment options. For participants with less investment experience, a series of risk-and-return-based model portfolios are offered.
Retirement Plan Advisory

OUR APPROACH OUR EDGE OUR TEAM

In addition to an effective and ongoing participant education campaign, it is important to provide an investment offering which allows participants of varying investment knowledge to efficiently and prudently invest. Lowe, Brockenbrough will construct a core investment menu that can provide each individual participant the opportunity to implement an investment portfolio that appropriately reflects unique investment objectives and risk tolerance. Employees with more investment knowledge may structure an investment portfolio by allocating across the full line-up of the plan’s investment options. For participants with less investment experience, a series of risk-and-return-based model portfolios are offered.

In addition to an effective and ongoing participant education campaign, it is important to provide an investment offering which allows participants of varying investment knowledge to efficiently and prudently invest. Lowe, Brockenbrough will construct a core investment menu that can provide each individual participant the opportunity to implement an investment portfolio that appropriately reflects unique investment objectives and risk tolerance. Employees with more investment knowledge may structure an investment portfolio by allocating across the full line-up of the plan’s investment options. For participants with less investment experience, a series of risk-and-return-based model portfolios are offered.

In addition to an effective and ongoing participant education campaign, it is important to provide an investment offering which allows participants of varying investment knowledge to efficiently and prudently invest. Lowe, Brockenbrough will construct a core investment menu that can provide each individual participant the opportunity to implement an investment portfolio that appropriately reflects unique investment objectives and risk tolerance. Employees with more investment knowledge may structure an investment portfolio by allocating across the full line-up of the plan’s investment options. For participants with less investment experience, a series of risk-and-return-based model portfolios are offered.

In addition to an effective and ongoing participant education campaign, it is important to provide an investment offering which allows participants of varying investment knowledge to efficiently and prudently invest. Lowe, Brockenbrough will construct a core investment menu that can provide each individual participant the opportunity to implement an investment portfolio that appropriately reflects unique investment objectives and risk tolerance. Employees with more investment knowledge may structure an investment portfolio by allocating across the full line-up of the plan’s investment options. For participants with less investment experience, a series of risk-and-return-based model portfolios are offered.

In addition to an effective and ongoing participant education campaign, it is important to provide an investment offering which allows participants of varying investment knowledge to efficiently and prudently invest. Lowe, Brockenbrough will construct a core investment menu that can provide each individual participant the opportunity to implement an investment portfolio that appropriately reflects unique investment objectives and risk tolerance. Employees with more investment knowledge may structure an investment portfolio by allocating across the full line-up of the plan’s investment options. For participants with less investment experience, a series of risk-and-return-based model portfolios are offered.

In addition to an effective and ongoing participant education campaign, it is important to provide an investment offering which allows participants of varying investment knowledge to efficiently and prudently invest. Lowe, Brockenbrough will construct a core investment menu that can provide each individual participant the opportunity to implement an investment portfolio that appropriately reflects unique investment objectives and risk tolerance. Employees with more investment knowledge may structure an investment portfolio by allocating across the full line-up of the plan’s investment options. For participants with less investment experience, a series of risk-and-return-based model portfolios are offered.

In addition to an effective and ongoing participant education campaign, it is important to provide an investment offering which allows participants of varying investment knowledge to efficiently and prudently invest. Lowe, Brockenbrough will construct a core investment menu that can provide each individual participant the opportunity to implement an investment portfolio that appropriately reflects unique investment objectives and risk tolerance. Employees with more investment knowledge may structure an investment portfolio by allocating across the full line-up of the plan’s investment options. For participants with less investment experience, a series of risk-and-return-based model portfolios are offered.

In addition to an effective and ongoing participant education campaign, it is important to provide an investment offering which allows participants of varying investment knowledge to efficiently and prudently invest. Lowe, Brockenbrough will construct a core investment menu that can provide each individual participant the opportunity to implement an investment portfolio that appropriately reflects unique investment objectives and risk tolerance. Employees with more investment knowledge may structure an investment portfolio by allocating across the full line-up of the plan’s investment options. For participants with less investment experience, a series of risk-and-return-based model portfolios are offered.