Advantages

Profit From Advantages Unlike Any Other Financial Partner

How do you define a successful partnership? At GuidedChoice, we believe it begins with four core principles: flexibility, innovation, trust, and fairness. It’s a philosophy that guides exactly how we invest in the success of our clients and colleagues. Every single aspect tailored to the specific goals you want to achieve. So you can help each participant achieve the future they want with greater certainty and confidence.

Advanced Customization
Rigorous Methodology
Trusted Independence

GuidedChoice was founded to provide unmatched customization at the plan level while offering participants truly personalized advice based on their individual retirement goals. The result is exceptional time and cost savings for the plan or advisor, without having to sacrifice control. Key benefits include:

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Funds tailored to any strategy: An open architecture that allows us to take almost any universe of fund or fund families to create portfolios that are customized to the plan or advisor’s investment strategy, and work for the diverse employee base of a given client

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Custom Fund Menu based on your strategy: Advisors and plan sponsors can choose their own fund menu, provided they satisfy our asset class quotas

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More Fund Control: No restriction to a specific or single fund family for any GuidedChoice solution, including our Personalized Target Date+

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Proprietary Model that Adapts to Your Plan: Via our proprietary model, the unique ability to work within your plan strategy and fund options to determine asset allocations along the efficient frontier that provide the highest level of expected return at different levels of risk

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Modular Capabilities for Sophisticated Customization: Modular capabilities that allow for easy customization to multiple plan rules and scenarios, plus a proprietary plan rules engine that allows for seamless automatic updates to plan rules and changes

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Customized Portfolio for Each Participant: Via our Managed Solutions, the ability to provide each participant with a customized portfolio — fully personalized to them

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Complete Strategic Flexibility: Our solutions adapt to custom capital market assumptions for the ultimate flexibility.

GuidedChoice has spent years implementing a proprietary application of Modern Portfolio Theory (MPT) that is more intelligent than simply generating an efficient frontier. We employed best practices in designing our methodology and it features:

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An Advanced Return Model That Mirrors Reality – Not Just a Textbook: An advanced return model that is consistent with how asset returns behave in the real world, not in a textbook, and flexible enough to let us add new asset classes over time. Our model informs thousands of Monte Carlo simulations of possible future interest rates, bond yields, and rates of inflation and asset class returns, which tell us how your retirement savings can evolve.

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Constraints That Go Beyond Asset Class Weights to Better Balance Risk and Reward: Constraints on both assets class weights and portfolio risk. Constraining asset class weights assure portfolios remain well diversified. Constraining portfolio risk means we won’t recommend an allocation too risky for its expected reward.

Drawbacks to using efficient frontiers without understanding them:


1. Pink zone: lottery tickets
2. Too little reward for the risk

We recommend allocations in the green region where the geometric return is rising.

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A Proprietary Utility Model That Helps Guard Investors Against Bad Outcomes: An initial risk level recommendation for each client based on our proprietary utility model, Bi-Constant Relative Risk Aversion (BI-CRRA). We designed our BI-CRRA model to represent a typical retirement saver’s strong desire to avoid bad outcomes. After receiving our recommendation, clients can use our online tools to adjust their savings rate, risk level, and retirement date, and see how their decisions can affect their range of possible outcomes.

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Use of Simulations to Create More Realistic Projections: Use of simulations instead of calculations to create realistic projections of future retirement wealth and income. No one knows exactly what the future holds, so any exact calculation will be wrong. By projecting future asset class and portfolio returns one month at a time over several decades, we can better estimate and communicate the full range of a client’s possible retirement income than if we simply used a single calculation.

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Investment Team Oversight Made of Some of the Best Minds in the Industry: Oversight from an expert investment team that meets on a weekly basis. In addition to reviewing the ongoing performance of existing recommended portfolios, the team discusses modeling and improvements to our engine. Our decades of collective investment experience offer a rich background for solving different problems relating to retirement saving and spending. Informed but not dogmatic, we take considerable care when researching topics so you can be fully confident in the advice we provide.

Additional Applications for Retirement Income Planning include:
Tax Smoothing and Conservative Planning to Create a More Confident Plan: Application of the same powerful methodologies to offer Retirement Income Planning, with the addition of tax smoothing and conservative treatment of mortality risk to further ensure clients’ money lasts throughout their lifetime. By simulating household spending until well past a client’s expected lifespan, we can help them to better identify sustainable spending levels aligned with their goals.

GuidedChoice has always been a fully independent company that strictly works in the best interests of our clients and partners. Led by our founder and industry pioneer Sherrie Grabot, we hold ourselves to the highest ethical standard, which includes:

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No parent company, or affiliations with an investment manager or venture capital firm

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No hidden relationships or conflicts of interest

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No payments for recommending an investment

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All advice is objective, unbiased and tailored to the specific goals of plan and participant

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An open door policy that invites every client and partner to discuss how we can better provide the flexibility, support, and service they need to be successful

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Explore All The Advantages of a Partnership

Our team is ready to discuss all of our GuidedChoice advantages in detail, and create a tailored recommendation based on your specific plan or client requirements. Contact us today to arrange a personal meeting or call.

Find the Right Solution

Find the Right Solution

Retire Ready Simulator with Quick Enroll

Retire Ready Simulator with Quick Enroll

  • Get participants into plans quickly
  • Provide newfound clarity about personal retirement readiness
  • Improve enrollment, savings rates, and financial wellness

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Find the Right Solution

Asset Class Guidance & Retirement Planning with Managed Account

Asset Class Guidance & Retirement Planning with Managed Account

  • Provides free asset class guidance & retirement planning support, including outside accounts and savings advice
  • Opt-in to managed account for investment-level advice and ongoing account management on plan account
  • Can also provide advice on non-plan pre-tax retirement accounts

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Find the Right Solution

Financial Wellness & Retirement Planning Advice for Public Sector Participants

Financial Wellness & Retirement Planning Advice for Public Sector Participants

  • Offers public sector employees free asset class guidance & retirement planning support
  • Option for one-time fund level investment advice on both plan and outside accounts
  • Designed to improve savings rate, retirement readiness and engagement

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Personalized Target Date+

Personalized Target Date+

  • A personalized QDIA that’s as easy as a target date fund
  • With a customizable lineup, this creates a personalized portfolio and glide path for each participant
  • 100% default, zero employee engagement required

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Find the Right Solution

Retirement Income Solution

Retirement Income Solution

  • Personalized and actionable advice for participants who have retired or are about to retire
  • A tailored decumulation strategy to help employees make their money last
  • Advanced scenario planning to help retirees make better and more confident financial decisions

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Find the Right Solution

Fiduciary Services

Fiduciary Services

  • Can act as a 3(38) and 3(21) fiduciary
  • We ensure all ERISA standards are met and shoulder fiduciary responsibility
  • Industry-leading oversight and due diligence

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Find the Right Solution

Retirement Readiness Analytics

Retirement Readiness Analytics

  • Essential preparation and motivation for employees
  • Personalized assessments and recommendations
  • Gives employers a unique picture of their plan and participants

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