Delbert McClinton. Bout to get the Best of Me
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1 Delbert McClinton Bout to get the Best of Me
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5 Professional Designations AIFA Accredited Investment Fiduciary Analyst AIFA Accredited Investment Fiduciary Analyst AIFA Accredited Investment Fiduciary Analyst AIF Accredited Investment Fiduciary AIFA Accredited Investment Fiduciary Analyst 5 5
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7 TRUSTED ADVISOR
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11 Who Would You Choose????
12 Car Loan House Loan Business Loan Lake House Loan
13 We do all that fiduciary stuff, We just don t sign on as a fiduciary. We use Fidelity just like they do. Fidelity would never let you do anything wrong.
14 Bout to get the Best of Me
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16 Conflict of Interest 16
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19 ALL ABOUT PROCESS DEFINABLE REPEATABLE DEFENDABLE
20
21 1.40% 1.20% 1.00% 0.80% 0.60% 0.40% 0.20% Client Fees Decrease by 30% - 40% 0.00% Fee Basis Points Client Fees Decrease by 30% - 40%
22 Best Practices Create Best Results On Sale! ½ Off!
23 Bout to get the Best of Me
24 Now what?!?
25 Run around and panic.
26 4 musts
27 1 segmented service models
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29 Small Mid-size Plan Large Plan Super-size Under 3 million 3 million 10 million 11 million 50 million 51 million plus
30 2 a MINIMUM level of documentation
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32 All plans should have: Plan compliance file centralized Fiduciary responsibilities defined, understood, and accepted
33 Written business plan to manage the plan investments formalized Periodic investment monitoring conducted
34 Goals & objectives clearly defined Periodic review & benchmarking of service providers conducted
35 3 quarterly service schedule
36 Q1 Annual Plan Review Q4 Participant Communications QTLY Investment Due Diligence Q2 Fiduciary Formalization Q3 Provider Due Diligence
37 4 flexibility
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39 HOW?
40 1 ORGANIZE 2 FORMALIZE 4 MONITOR 3 IMPLEMENT
41 Initial Meeting to Gather Data Within 60 Days Plan Process is Formalized 1 ORGANIZE 2 FORMALIZE 4 MONITOR 3 IMPLEMENT Annual Timeline is Implemented and Monitored
42 Initial Meeting to Gather Data 1 ORGANIZE Identify the plan fiduciaries Understand goals and objectives of the plan Establish IPS criteria Collect plan documents for compliance file
43 Initial Meeting to Gather Data 1 ORGANIZE New Client Packet Fiduciary Worksheet Goals and Objectives Worksheet IPS Development Worksheet Document Checklist
44 Within 60 Days Plan Process is Formalized 2 FORMALIZE Investment policy developed Plan compliance file set-up Plan service timeline established Participant service timeline established
45 Within 60 Days Plan Process is Formalized 2 FORMALIZE Deliver to client: IPS for review/signature 12-month service timeline
46 Annual Timeline is Implemented 3 IMPLEMENT Investments monitored according to established timeline Oversight meetings conducted as appropriate Participant communications schedule implemented Fiduciary education initiatives executed
47 Annual Timeline is Monitored 4 MONITOR Annually revisit plan procedures and effectiveness Conduct benchmark study every three years Review participant readiness as appropriate
48 Annual Timeline is Implemented and Monitored 3 IMPLEMENT Q1 4 MONITOR Annual Plan Review Q4 Participant Communications QTLY Investment Due Diligence Q2 Fiduciary Formalization Q3 Provider Due Diligence
49 New Client Packet + Q1 Q2 Q3 Q4 Annual Plan Review Fiduciary Formalization Provider Due Diligence Participant Communications Quarterly Document Packs =
50 client management formula turn-key compliance, simplified
51 Leverage and relax.
Consultant s Review of Fiduciary Practices. An introduction for AIF Designees to the new fiduciary consulting assistance document
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