Who We Are
The Better 401(k) Source is a fee-only, independent registered investment advisor and co-fiduciary, located in Plano, Texas. We are not a broker/dealer, mutual fund, or insurance company and we never sell products of any kind. Nor, do we ever accept hidden compensation, commissions or revenue sharing from any source. Period! This allows us to avoid any potential conflicts of interest while providing total fee transparency.
We work exclusively with 401(k) defined contribution retirement plans. We work diligently to assess the risk capacity of each plan participant and match them with a portfolio that has a corresponding level of risk exposure. Our investment portfolios are designed to be easily understood, risk-calibrated, and globally diversified. They are composed of low-cost exchange traded funds (ETFs) that cover a broad range of styles on the equity side, plus short-term fixed income instruments. We prefer passive over actively managed funds because of their superiority in cost efficiency and performance over the long term on a net-of-fee and risk-adjusted basis. Our opinion is supported by an overwhelming amount of scholarly research conducted over the past 40 years.*
Under certain market conditions, we will purchase broad market index put options to protect plan participants from catastrophic losses.
Those participants who wish to construct their own portfolios are permitted to do so by selecting from a universe of investments approved by us and the Plan's investment committee.
As an independent registered investment advisor and co-fiduciary, we have the flexibility to work with virtually any record keeper or third-party plan administrator to fulfill your needs by use of an unbundled style of architecture. Therefore, if you, as a plan administrator, have a well established and trusted relationship with your current record keeper and/or third-party plan administrator, we can easily work with them to serve your needs.
On the other hand, if you want to make a clean sweep of it because of poor service, poor returns, and/or excessive fees, we can easily accommodate your needs with a semi-bundled style of architecture that is completely fee transparent and free of any revenue sharing arrangements with mutual fund companies. In order to provide this service, we have established strategic alliances with nationally renowned record keepers, third-party plan administrators and custodians to provide custom plan designs, best-in-practice plan solutions, and state-of-the-art service.
* The latest S&P Indices Versus Active Funds Scorecard states that over the last 15 years 88.97% of all domestic equity funds, 91.62% of large-cap domestic equity funds, 92.71% % of mid-cap domestic equity funds, 96.73% of small-cap domestic equity funds, and 89.83 % of international equity funds trailed their respective benchmarks.
The Better 401(k) Source is a fee-only, independent registered investment advisor and co-fiduciary, located in Plano, Texas. We are not a broker/dealer, mutual fund, or insurance company and we never sell products of any kind. Nor, do we ever accept hidden compensation, commissions or revenue sharing from any source. Period! This allows us to avoid any potential conflicts of interest while providing total fee transparency.
We work exclusively with 401(k) defined contribution retirement plans. We work diligently to assess the risk capacity of each plan participant and match them with a portfolio that has a corresponding level of risk exposure. Our investment portfolios are designed to be easily understood, risk-calibrated, and globally diversified. They are composed of low-cost exchange traded funds (ETFs) that cover a broad range of styles on the equity side, plus short-term fixed income instruments. We prefer passive over actively managed funds because of their superiority in cost efficiency and performance over the long term on a net-of-fee and risk-adjusted basis. Our opinion is supported by an overwhelming amount of scholarly research conducted over the past 40 years.*
Under certain market conditions, we will purchase broad market index put options to protect plan participants from catastrophic losses.
Those participants who wish to construct their own portfolios are permitted to do so by selecting from a universe of investments approved by us and the Plan's investment committee.
As an independent registered investment advisor and co-fiduciary, we have the flexibility to work with virtually any record keeper or third-party plan administrator to fulfill your needs by use of an unbundled style of architecture. Therefore, if you, as a plan administrator, have a well established and trusted relationship with your current record keeper and/or third-party plan administrator, we can easily work with them to serve your needs.
On the other hand, if you want to make a clean sweep of it because of poor service, poor returns, and/or excessive fees, we can easily accommodate your needs with a semi-bundled style of architecture that is completely fee transparent and free of any revenue sharing arrangements with mutual fund companies. In order to provide this service, we have established strategic alliances with nationally renowned record keepers, third-party plan administrators and custodians to provide custom plan designs, best-in-practice plan solutions, and state-of-the-art service.
* The latest S&P Indices Versus Active Funds Scorecard states that over the last 15 years 88.97% of all domestic equity funds, 91.62% of large-cap domestic equity funds, 92.71% % of mid-cap domestic equity funds, 96.73% of small-cap domestic equity funds, and 89.83 % of international equity funds trailed their respective benchmarks.