VALENTINE 401(K)

If you are looking for unbiased, objective financial advice, welcome to Valentine 401(k).

As a plan adviser, Valentine 401(k) provides:

  • Investment screening, selection, and monitoring
  • Expert-modeled portfolios
  • Conflict-free participant investment advice
  • Intensive financial education
  • High-touch service
  • Full fee transparency
  • Co-fiduciary liability protection

Valentine 401(k) was created to help plan sponsors and participants navigate the financial uncertainties of life.

How does it work?

In order to provide a full turnkey retirement plan solution, Valentine 401(k) works with a variety of outside recordkeepers and third-party administrators that perform the administrative and compliance-related duties of the plan. If you already have a retirement plan in place, we may be able to serve you within your current platform.

To learn more about our 401(k) offering, please refer to our brochure or contact us at (541) 749-1009 or by email at info@valentine401k.com.

America is facing a retirement crisis.

The trend away from pension plans to 401(k) plans has shifted the investment responsibility from the company to the employee. According to the U.S. Department of Labor, 38 million workers within the United States are not offered a company-sponsored retirement plan. As a result, almost one in four American households have less than $1,000 in retirement savings1.

Retirement savings plans are employees’ best shot at achieving their retirement goals.

Workers with a retirement plan through their workplace are ten times more likely to be saving for retirement than those that do not have a workplace savings plan1.

Not all plans are created equal.

Valentine 401(k) helps plan participants attain retirement goals better than the competition. With low fees and individual guidance free from conflicts-of-interest, we help you make sound investment decisions and keep more of the gains you deserve.

*According to industry watch group Dalbar, Inc., for the twenty-year period ending 2010, the stock market grew 9.14% annually, while stock mutual fund investors earned just 3.83%! How could stock investors do so poorly compared to the stock market? The answer is a combination of excessive fees and bad decision making. As a plan sponsor, you bear responsibility for the opportunities your employees are afforded, and the decisions they make.

1 According to the Employee Benefit Research Institute’s “2017 Retirement Confidence Survey”

Most 401(k) plans suffer from the same problems:

Excessive fees: High fees reduce participant returns.

Uninformed employees: Without education, participants make the same bad decisions over and over again.

Lack of co-fiduciary protection: If a plan sponsor does not have a contractual agreement with an adviser to take responsibility for investment selection, monitoring, and asset allocation, the sponsor alone is left accountable.

Poor service: Problems arise when questions aren’t answered promptly and accurately.

Poor investment choices: Most plans provide too many funds that overlap asset classes, while missing others altogether. This is befuddling to participants—and leads to poor returns.

The Result: Employees that have less for retirement.

Valentine 401(k) was created to provide the best 401(k) solution to plan sponsors and participants. The unique benefits of our structure are:

Low fees: Valentine 401(k) uses Exchange Traded Funds (ETFs) instead of expensive actively managed mutual funds.

Industry-leading education: Wealth Academy, our proprietary video library, is designed to help participants become better investors.

ERISA 3(38) co-fiduciary protection: As independent advisers, we are able to take responsibility for investment selection and monitoring, taking it off the shoulders of the plan sponsor.

Robust service: On-site visits, regular video-conferences, and phone/email support to help participants make better decisions.

Expert model portfolio construction: Our models make it easy for participants to get risk-adjusted exposure to all important asset classes.

A: We can advise over 401(k), 403(b), MEP, and Cash Balance plans as well as HSA accounts.

A: Although the setup time can vary significantly, we typically are able to set up a plan within 45-90 days.

A: It depends. If your retirement plan is currently with a recordkeeping platform that we are able to work with, we would simply change the adviser of the plan and switch out the investment lineup. We would help participants select their investment allocation from the new fund lineup. If your plan is with a recordkeeper that we are unable to work with (or you do not currently have a 401(k) plan), we would transfer the plan assets to one of our choice recordkeepers and then proceed as outlined above.

A: Yes. A retirement plan is only a small part of an individual’s financial picture. While we cannot create a full financial plan for each participant, we are happy to answer participants’ questions and help where we can.

A: Yes. The members of the firm abide by a Code of Ethics, as mandated by the Advisors Act of 1940, and the firm holds itself to the highest level of integrity and compliance with all laws and regulations. As a Registered Investment Adviser, the company is held to the “fiduciary standard” obliging it to act solely in the client’s interest.

Our Offering

If you are looking for unbiased, objective financial advice, welcome to Valentine 401(k).

As a plan adviser, Valentine 401(k) provides:

  • Investment screening, selection, and monitoring
  • Expert-modeled portfolios
  • Conflict-free participant investment advice
  • Intensive financial education
  • High-touch service
  • Full fee transparency
  • Co-fiduciary liability protection

Valentine 401(k) was created to help plan sponsors and participants navigate the financial uncertainties of life.

How does it work?

In order to provide a full turnkey retirement plan solution, Valentine 401(k) works with a variety of outside recordkeepers and third-party administrators that perform the administrative and compliance-related duties of the plan. If you already have a retirement plan in place, we may be able to serve you within your current platform.

To learn more about our 401(k) offering, please refer to our brochure or contact us at (541) 749-1009 or by email at info@valentine401k.com.

America's Retirement Crisis

America is facing a retirement crisis.

The trend away from pension plans to 401(k) plans has shifted the investment responsibility from the company to the employee. According to the U.S. Department of Labor, 38 million workers within the United States are not offered a company-sponsored retirement plan. As a result, almost one in four American households have less than $1,000 in retirement savings1.

Retirement savings plans are employees’ best shot at achieving their retirement goals.

Workers with a retirement plan through their workplace are ten times more likely to be saving for retirement than those that do not have a workplace savings plan1.

Not all plans are created equal.

Valentine 401(k) helps plan participants attain retirement goals better than the competition. With low fees and individual guidance free from conflicts-of-interest, we help you make sound investment decisions and keep more of the gains you deserve.

*According to industry watch group Dalbar, Inc., for the twenty-year period ending 2010, the stock market grew 9.14% annually, while stock mutual fund investors earned just 3.83%! How could stock investors do so poorly compared to the stock market? The answer is a combination of excessive fees and bad decision making. As a plan sponsor, you bear responsibility for the opportunities your employees are afforded, and the decisions they make.

1 According to the Employee Benefit Research Institute’s “2017 Retirement Confidence Survey”

Our Unique Benefits

Most 401(k) plans suffer from the same problems:

Excessive fees: High fees reduce participant returns.

Uninformed employees: Without education, participants make the same bad decisions over and over again.

Lack of co-fiduciary protection: If a plan sponsor does not have a contractual agreement with an adviser to take responsibility for investment selection, monitoring, and asset allocation, the sponsor alone is left accountable.

Poor service: Problems arise when questions aren’t answered promptly and accurately.

Poor investment choices: Most plans provide too many funds that overlap asset classes, while missing others altogether. This is befuddling to participants—and leads to poor returns.

The Result: Employees that have less for retirement.

Valentine 401(k) was created to provide the best 401(k) solution to plan sponsors and participants. The unique benefits of our structure are:

Low fees: Valentine 401(k) uses Exchange Traded Funds (ETFs) instead of expensive actively managed mutual funds.

Industry-leading education: Wealth Academy, our proprietary video library, is designed to help participants become better investors.

ERISA 3(38) co-fiduciary protection: As independent advisers, we are able to take responsibility for investment selection and monitoring, taking it off the shoulders of the plan sponsor.

Robust service: On-site visits, regular video-conferences, and phone/email support to help participants make better decisions.

Expert model portfolio construction: Our models make it easy for participants to get risk-adjusted exposure to all important asset classes.

FAQs

A: We can advise over 401(k), 403(b), MEP, and Cash Balance plans as well as HSA accounts.

A: Although the setup time can vary significantly, we typically are able to set up a plan within 45-90 days.

A: It depends. If your retirement plan is currently with a recordkeeping platform that we are able to work with, we would simply change the adviser of the plan and switch out the investment lineup. We would help participants select their investment allocation from the new fund lineup. If your plan is with a recordkeeper that we are unable to work with (or you do not currently have a 401(k) plan), we would transfer the plan assets to one of our choice recordkeepers and then proceed as outlined above.

A: Yes. A retirement plan is only a small part of an individual’s financial picture. While we cannot create a full financial plan for each participant, we are happy to answer participants’ questions and help where we can.

A: Yes. The members of the firm abide by a Code of Ethics, as mandated by the Advisors Act of 1940, and the firm holds itself to the highest level of integrity and compliance with all laws and regulations. As a Registered Investment Adviser, the company is held to the “fiduciary standard” obliging it to act solely in the client’s interest.

Interested in becoming a 401(k) client?

If you have more questions, refer our Frequently Asked Questions or contact us.

To begin a dialogue with Valentine Ventures or Valentine 401(k), submit your inquiry here.

Contact Valentine Ventures
Bill Valentine401(k)