Our approach to the financial planning process is customized for each client and presented in an approachable and practical manner. We provide clients with a clear assessment of where they are in relation to their financial goals and what steps they need to take to achieve and protect what matters most to them. Our initial conversations may touch on cash flow budgeting, investment objectives, risk tolerance, insurance reviews, legacy planning and titling of assets.
There are a limited number of financial teams across the country that are qualified to effectively design, implement and manage retirement plans. From helping with start-up plan design to managing existing plans with several thousand employees, we have the resources to assist sponsors in adhering to ERISA’s rigorous fiduciary standards. We stand by you as co-fiduciaries and work with you along the way. Our services include establishing the Investment Committee and drafting the Investment Policy Statement, providing guidance on fund managers and offering thoughtful one-on-one guidance to interested participants.
Our investment management process is driven by decades of industry experience and market knowledge, as well as a broad range of independent custodian and investment bank research. We review, implement, monitor and support highly-customized asset allocation, equity and fixed income strategies.
Client portfolios are invested proactively, with consideration for current and anticipated market conditions. Our priority is to actively manage risk throughout your lifetime according to your goals and objectives—an approach that gives clients the confidence that their investments are continuously being evaluated and tracking towards their objectives.
A nonprofit’s board of directors must adhere to the same rigorous standard of care as a retirement plan sponsor, and our competence within the retirement plan space makes working with nonprofits a natural fit for our team. Our capabilities extend beyond conventional asset management – we have experience serving as independent third party plan advisors, drafting Investment Policy Statements, ensuring a core level of competence among trustees, and managing the unique liability and cash flow needs of the nonprofit organization.
Often, advisory firms only offer high net worth client services after the client has committed the management of their assets or as a loss leader to gain a client’s business. This leaves the client and their trusted advisors in an uncomfortable position. As a Fiduciary, The Andriole Group offers to help clients and their advisors select appropriate services, which may or may not include investment management. This approach aligns our interests with the interests of other trusted advisors and, most importantly, the client.
We are frequently retained by financial institutions, such as bank trust companies and fee-only financial planners, to serve as investment managers in their client relationships. Our meticulous investment management process and rigorous reporting standards is evidenced by our adherence to GIPS compliance—allowing us to service this heavily regulated market.
Contact us to learn more about our team, our philosophy, and how we can help you build your legacy