Many business owners provide, and private sector employees have, employer provided or sponsored supplemental investment programs. These supplemental investment programs include 457 Deferred Compensation, 401k and 403b/TSA programs. The PASS® program is a comprehensive asset allocation service that tailors your supplemental accounts to your particular risk tolerance, needs and retirement goals. The PASS® program also takes into account your Traditional & Roth IRA’s as well as spousal programs, if any.

The above mentioned employer based program allocations aren’t typically consolidated with the individual’s privately acquired investment accounts into an overall personalized financial plan. Additionally, the management styles, allocations and purposes of the various accounts often aren’t in alignment with the goals, desires and risk temperament of each individual. Business owners and private sector employees often end up with a “collection” of disparate accounts which don’t work together in an effective manner toward reaching the individual’s investment goals. The PASS® program was developed to address these issues.

PASS® is a “fee - based” program which charges a flat fee for asset allocation advice or, in some cases, an asset management fee will be charged when utilizing 3rd party money manager services. The type of fee structure is determined by your individual investment objectives and investment program allocation parameters.

The PASS® program is holistic in nature. It is designed to review and allocate your accounts based on the most suitable investment options available in each plan and develops an investment strategy that incorporates the various employer provided or sponsored accounts as individual components of a comprehensive investment plan.