True customization and personalization for plan and participants alike

Now more than ever, employees count on advice as part of their defined contribution plan, and expect their employers to provide it. Meeting this demand takes a trusted partner able to expertly assist participants, while protecting the employer from undue risk and reducing fiduciary liability. GuidedChoice not only answers that challenge, but goes beyond to ensure greater satisfaction and confidence.

GuidedChoice: Managed IRA 87% 110% Infographic

Source: J.P. Morgan and David Blanchett, “The Impact of Expert Guidance on Participant Savings and Investment Behaviors”,
Working Paper (David Blanchett, August 2014)

Learn How We Do It

A new level of customization and choice

GuidedChoice is unique in that we offer both traditional managed accounts and customized target date fund options. The goal is to give plan sponsors exceptional flexibility in creating the ideal approach for their participants, while helping to increase savings rates, diversification and participation levels. Choose either solution on its own, or integrate them in any combination that’s right for your plan.

Managed Account Service

Fully customizable to your plan’s investment strategy, guidelines and fund options, our Managed Account Service evolves with the participant to help them adjust their strategy as life situations or retirement goals change. It also makes defensive choices in times of volatility for increased long-term stability. Key benefits for participants include:

Key benefits for participants include:

  • Advice based on participant goals, with non-plan household retirement assets also taken into account
  • Allocations based on an assessment of each participant, including their risk tolerance, goals and other assets
  • Savings rate advice that encompasses the participant’s plan and any outside retirement assets — including those of a spouse — to better help them achieve their goals
  • Scenario planning to help participants see the impact other financial decisions have on their retirement goal
  • Projected retirement income range for each participant, covering a range of market conditions to bolster confidence and knowledge
  • Automatic rebalancing
  • One click implementation of advice and account management
  • Availability of live help

Key benefits for your plan include:

  • 3(38) and/or 3(21) fiduciary protection, with 3(38) protection at a participant level
  • Reporting that includes built-in measurement
  • Approved QDIA to further encourage participation and participant savings
  • Plans meet 404(c) education requirements
  • Improves discrimination testing results: by improving participation and savings rates of the general employee population, you can improve the contribution caps imposed on the highly compensated

lack confidence in
their 401(k) decisions

want personal advice
about retirement savings

Source: J.P. Morgan and David Blanchett, “The Impact of Expert Guidance on Participant Savings and Investment Behaviors”,
Working Paper (David Blanchett, August 2014)

Let's Customize Your Solution
Schedule A Demo

Retire Ready Portfolio

Exclusively for defined contribution plans, our Retire Ready Portfolio better serves participants while giving your company far greater confidence and control.

In an innovative step forward, we’ve taken the simplicity you expect from a TDF and combined it with a level of customization and personalization that no traditional TDF can match.

Key benefits for participants include:

  • A tailored approach that uses your preferred funds from almost any fund universe to build a customized solution for participants
  • Advice based on factors personalized to the participant: current age, planned retirement age, risk level and savings rate
  • Personalized glide path for participants that fits their individual retirement goals and risk profile
  • Projected retirement income range for each participant, covering a range of market conditions to bolster confidence and knowledge

Key benefits for your plan include:

  • Customization to your investment strategy, guidelines, population segments and preferred fund family fee structures
  • Greater diversification, as all assets no longer need to come from the same fund family
  • 3(38) fiduciary liability protection at a plan and participant level
  • Approved QDIA to further encourage participant savings and participation
  • More control over fees, enabling you to keep costs low

lack confidence in
their 401(k) decisions

want personal advice
about retirement savings

Source: J.P. Morgan and David Blanchett, “The Impact of Expert Guidance on Participant Savings and Investment Behaviors”,
Working Paper (David Blanchett, August 2014)

To learn more about our methodology and customized approach, click here. You’re also welcome to explore our full range of fiduciary services.

Contact Us To Learn More

More advantages without compromise

Through our customized approach and ability to fully personalize advice, participants are far more invested and satisfied with their plan — which creates a positive attitude that equally benefits employer and employee. Here are just some of the ways we work to assist everyone:

GuidedChoice: Business Managed Solutions for DC Plans Improved long term outcomes Icon

Improved long term outcomes

Participants who receive professional help with their 401(k) stand a greatly improved chance of achieving their retirement goals than those who do not — including a stronger commitment to maintaining and increasing their contribution levels.

GuidedChoice: Business Managed Solutions for DC Plans Reduced HR burden Icon

Reduced HR burden

Many participants have little understanding of the fundamentals of saving for their future. As part of our service, we’ll help participants learn and adopt the steps they need to take to be truly prepared for retirement, so employers won’t need to take on the responsibility of educating employees.

GuidedChoice: Business Managed Solutions for DC Plans Stronger confidence Icon

Stronger confidence

80% of Americans between the ages of 30 and 54 believe they will not have enough saved for retirement.* By creating a personalized glide path and goals for each participant, we remove those worries and help to ensure they stay on track no matter how the markets or their life goals change.

GuidedChoice: Business Managed Solutions for DC Plans Greater trust and transparency Icon

Greater trust and transparency

Participants place a higher value on our advice because they know we are an independent company with no shareholders or affiliations. Everything we do is unbiased and in their best interests alone. We also work in open partnership with advisors and consultants, and lead the industry with solutions such as 3(38) fiduciary protection at a plan and participant level.

GuidedChoice: Business Managed Solutions for DC Plans Competitive Pricing Icon

Competitive pricing

Our mission is to help everyone receive the professional management and advice they need for the future they want. That’s why our fees are priced to be more affordable, easier to understand and come with no minimum investment or plan balance requirements.

*Employee Benefit Research Institute (EBRI) 2015 Retirement Confidence Survey

Learn What Makes Us Different

Trusted by America’s most innovative companies

From Fortune 500 firms to fast growing start-ups, GuidedChoice is the preferred partner for companies who believe in providing greater employee satisfaction and care. Over our nearly 20-year history, we’ve helped over 2 million customers successfully plan for their future, and expertly manage over $15 billion in assets. We’re proud to offer the same level of innovation and performance to you.

Nearly
20 years

Of Innovation and Success

Over

2 million

Customers Assisted

Over
15 billion In Assets Under Management

More than 27,000 plan sponsors trust us to provide retirement planning advice to their employees

Our business team is always ready to listen to your objectives and challenges, and recommend a GuidedChoice solution tailored to the exact goals you want to reach. Contact us to arrange a no-obligation meeting or call today.

Companies that count on us include:

None of the companies listed above has provided an endorsement, either expressed or implied, of GuidedChoice or any of its products or services.

Let's Work Together

Discover the GuidedChoice difference for yourself

Now GuidedChoice can offer the power of a managed account with the simplicity of a personalized target date fund. Learn more by downloading our latest materials, or visit our Resources section for additional insight.

Customize the right solution for you

Our team is always available to help you explore how our managed account solutions can work for your company or client. Contact us today to arrange a personal meeting or call.

Contact Us

GuidedChoice: Managed IRA's for Business

GuidedChoice Solutions for Business

Managed IRAs
  • Available for all types of IRAs
  • Personalized advice and professional
    management for participants
  • Lower pricing with no minimum opening balance
GuidedChoice: Small Business Solutions

GuidedChoice Solutions for Business

Small Business
Solutions
  • Managed IRA for greater convenience and ease
  • Professional management and advice for
    defined contribution plans
  • Greater flexibility and cost advantages
GuidedChoice: Business Managed Solutions for DC Plans

GuidedChoice Solutions for Business

Managed Solutions
for DC Plans
  • Traditional Managed Account and Retire Ready Portfolio
  • Fully customized to your plan’s strategy and guidelines
  • Highly personalized advice for each participant
GuidedChoice: Business Retirement Readiness

GuidedChoice Solutions for Business

Retirement Readiness
Analytics
  • Essential preparation and motivation for employees
  • Personalized assessments and recommendations
  • Gives employers a unique picture of their
    plan and participants
GuidedChoice: Business Retirement Income Planning

GuidedChoice Solutions for Business

Retirement Income
Planning
  • Personalized income and investment strategies
  • Complete withdrawal and investment plan
  • Avoid the worry of running out of money after retirement
GuidedChoice: Business Fiduciary Services

GuidedChoice Solutions for Business

Fiduciary Services
  • Expert 3(38) fiduciary care at a plan and
    participant level
  • Complete oversight and due diligence
  • Fully customized to your investment strategy