Retirement Solutions

Smart, Simple, Solutions for long-term growth

Grey Ledge Advisors provides a 401(k) platform for plan sponsors and participants dedicated to the accumulation of retirement assets with a planned, long-term focus. The program is designed to be efficient, easy to understand and create long-term value. The program is designed to meet the participant's goals, to accumulate or maintain wealth over time with four key portfolio strategies: conservative, balanced, growth and aggressive growth. We seek to use the lowest cost and most appropriate investment options, generally with Exchange Traded Funds (ETFs), to build the portfolio in each strategy. Participants may always self select investments from a comprehensive list of ETFs (e.g. Vanguard, SPDR, iShares, Schwab) if they wish.

Four Key Principles

Time

What is your investment time frame? How long until you expect to retire? How long will you be in retirement? How much money do you need and when do you need it?

Strategy

What is your goal? Is the objective growth or accumulation? Are you nearing retirement and looking for stability? Are you in retirement and in a drawdown phase where you need to withdraw funds? Are you a cautious investor or can you tolerate volatility?

Consistency

Systematic investing or dollar cost averaging is investing the same amount of money on a regular basis. Dollar cost averaging can limit losses in the event of a market decline and reduce short-term risk.

Adjustment

Reallocating the portfolios annually to realign the positions and security weightings to meet the objective of the portfolio and the current economic and market environment.

Smart

Each Custom Model Strategy has a unique security weighting (% of total account) to reflect an allocation within each portfolio. The goal is to have the model align with the strategy.

Conservative

This portfolio is designed for investors seeking to maintain principal with income. The Conservative Portfolio is primarily designed for stability of principal with interest and dividend income. Its selection of fixed income and equity investments helps to provide some inflation protection.

Who should consider this portfolio: An investor who is cautious, near or in retirement and is not seeking capital appreciation. The account may have some volatility. This portfolio is currently comprised of 52.5% Fixed Income ETFs, 15% Preferred ETFs, 12.5% Utility EFTs and 20% Equity ETFs.

Balanced

This portfolio is designed for investors seeking income and modest capital appreciation. The Balanced Portfolio is primarily designed to provide a blended return from Fixed Income, Equity and International exposure. Its broad range of asset categories helps to provide a more diversified and steadier state investment.

Who should consider this portfolio: An investor who is somewhat cautious, nearing or in retirement, not attempting to maximize growth in their account and is looking for a more diversified return. The account will have some volatility. This portfolio is currently comprised of 30% Fixed Income ETFs, 10% Preferred Stock ETFs, 7.5% Utility ETFs and 52.5% Equity ETFs.

Growth

This portfolio is designed for investors seeking growth and should be viewed as a long term investment strategy. The Growth Portfolio is primarily designed for capital appreciation with domestic and International equity exposure. Its broad range of asset categories provides exposure to growth opportunities globally holding through economic cycles.

Who should consider this portfolio: An investor who has a long term time frame, can tolerate volatility and seeks capital appreciation. The account will have volatility. This portfolio is currently comprised of 100% Equity ETFs, split between U.S. and Foreign holdings with exposure to Clean Energy, BioTech, ESG and Gold.

Aggressive Growth

This portfolio is designed for investors seeking an aggressive growth strategy and should be viewed as a long term investment. The Aggressive Growth Portfolio is primarily designed for capital appreciation with domestic and International equity exposure. Its broad range of asset categories provides exposure to higher risk market opportunities globally holding through economic cycles.

Who should consider this portfolio: An investor who has a long term time frame, can tolerate volatility and seeks capital appreciation. The account will have volatility. This portfolio is currently comprised of 100% Equity ETFs split between U.S. and Foreign with higher exposure to Clean Energy, BioTech and ESG.

Simple

We provide intuitive, user friendly online tools that offer secure access to your account information. We also provide in-person onsite enrollment, employee education and an annual 401(k) plan review. You'll receive one-on-one guidance from your Grey Ledge Advisors Team.

Solutions

We are committed to providing plans tailored to individual needs that also maximize benefit value and control cost. We offer several retirement plan alternatives that can be modified as your assets or business grows.

Individual Retirement Accounts (IRAs)

Grey Ledge Advisors offers Traditional and Roth IRAs that provide flexibility to manage retirement and tax planning. We can help you determine if you are eligible and whether to contribute pre-tax (traditional) or after-tax (ROTH). Both have advantages and we can help you decide which is right for you!

Simple IRA Plans

Start small, aim big! Not ready for a 401(k) plan? A Simple IRA is an employer-provided plan that has an incentive match funding structure that works like 401(k) plans, in that employers match contributions and the funds are tax-deferred. Your contribution limits are lower, but they are also simpler and have lower administration costs.

Defined Contributions

Profit Sharing is a retirement benefit program that can be added to a 401(k) plan which accepts discretionary employer contributions. The law does not require a set contribution amount. That means you can contribute each year as your income allows, or you can elect to make no annual contribution at all.
A 401(k) is an employee benefit that produces returns from a mix of investment tools.

Defined Benefit/Cash Balance Plans

A defined-benefit plan is another employer-sponsored retirement plan that pays a monthly pension, lump sum or combination of both. The value of the plan is figured using a formula that considers length of employment, salary history and other factors. A defined benefit or cash balance plan offers the largest qualified plan contributions, often far exceeding the defined contribution maximum. Defined benefit plans are complex and we can help you decide if they are right for you. We can help you design a new plan or we can analyze your current plan and make any recommendations for change. We can also review your funding options to help ensure the plan complies with all government regulations.

Simplified Employee Pension Plans (SEPS)

Whether you are self-employed, freelance, working on the side or own a small business, a SEP allows employers to set aside money for themselves and their employees by using Traditional IRAs. A SEP does not have the start-up and operating costs of a conventional retirement plan and may allow for a contribution of up to 25 percent of income. A SEP is flexible for timing and contributions do not need to be made annually.

Once your 401(k) employee benefit plan is established, we meet with your staff to provide training and support. Our goal is for all employees to understand the plan so they can take full advantage of all it has to offer. We also provide all services as it relates to tax reporting and conduct annual reviews of the plan's performance with the plan sponsor and its participants.