Through our business partnership with CPR Investments Inc., a registered investment adviser, our goal is to provide our clients with investment solutions that best fit their objectives. This is done by developing a financial strategy, along with a risk tolerance evaluation. Through the various money management firms and models, along with their focus on risk and performance, we’re enabled to help our clients in retirement and attract new ones.
A Comprehensive Strategy
Our objective investment strategies and active approach provide you with a comprehensive strategy for your investments. Clear, decisive decisions are made to account for market trends – whether up or down. We also make sure you have an exit strategy, which includes how to systematically draw upon your investments to provide you with a solid income for retirement and a strategy for leaving a legacy to your children.
Third Party Custody
You can rest easy knowing that your assets are held by a third-party custodian. At no time does CPR Investments Inc. have custody or possession of your funds. Each third-party custodian is regulated and monitored by an independent regulatory body. This is not an occasional check-up; the custodians are rigorously examined on a regular basis and must adhere to the highest standards of security, safety and conduct. You always have access to your account(s) through your third-party custodian. That means you can view transaction and account values daily and can withdraw your funds at any time, from day one.
From ‘Buy-and-Hope’ to ‘Act-and-Achieve’
Consider your life goals: Building a healthy marriage, raising your children well, pursuing career success, buying your dream house.
Do you take a passive approach to any of these goals? Of course not. You know these dreams don’t turn into reality without purposeful, intelligent, and consistent action. Investing is no different. The purpose of investing is to achieve financial gain and security. For too long, investors have bought into a passive “buy-and-hold” philosophy under the illusion that it was an investment strategy: diversify your funds adequately when you’re 30, forget about them, and 40 years later you will be living a luxurious retirement.
Unfortunately, one economic crash can destroy not only that illusion, but also any opportunity of recouping your losses. CPR Investments Inc. rejects this “buy-and-hope” outlook and takes an “act-and-achieve” approach. We have sought to steadily grow our client’s funds while minimizing loss through:
Active Asset Management
Our sub-advisors actively manage accounts on a day-to-day basis to create opportunities for return by investing in areas of market strength. While that does not necessarily mean there will be transactions daily, it does allow for the possibility depending on changing market conditions.
Investment Strategies
Many of our investment strategies are run daily to evaluate current short-term market trends. Because our strategies are quantitative, objective, and mathematical, we remove the emotional human factor from the investing equation and ensure lower volatility and more consistent returns.
Proactive Risk Management
Our investment strategies seek to reduce and manage risk through tactical asset allocation, reducing exposure to weak industry sectors and index funds, and moving to 100% cash or, in some strategies, to “inverse” funds in cases of extreme market volatility.
Sound Investing
Sound investing is not:
• Trusting that it will work out all right in the end
• Reacting to emotionally charged headlines
• Taking a chance, a gamble, or a long shot
• Believing that someone can predict the future
Sound investing is a disciplined process that is objective, active, and comprehensive.
Do you want to trust your savings – and your future – to someone else’s opinion, gut instinct, or emotional response? The economy is far too complex. Our investments offer strategies that remove emotion, opinion, and personal bias from the investment process. We have replaced these subjective snares with objective strategies, developed from years of intense market analysis. We make neither forecasts nor predictions.
401(k) Plans
It can be challenging for an employer to establish and maintain a cost-effective retirement plan for their employees while mitigating employer fiduciary liability. When it comes to plan design and consulting, administration, investment management, recordkeeping, and fiduciary services, it’s anything but a one-size-fits-all world. Count on a customized plan and support for your company and your TPA partners in everything from fully bundled to true open architecture arrangements.
Our 401(k) providers can deliver:
A Good Fit
We’ll work with you and your TPA partner to understand each client’s situation and goals, then tailor a program together that fits them.
Easy to Manage
The difficulty of retirement plans has kept many companies from taking advantage of this powerful opportunity. We work to deliver retirement plans that are highly cost-efficient and easy to start and run. That produces real value while keeping the employer’s burden light.
Safe Harbor 401(k) Design
Safe Harbor is a type of plan design that guarantees a minimum employer contribution and, in return, allows for less restrictive non-discrimination testing requirements.
Customized Plan Capabilities
We specialize in complex plan design, including cross-testing, a type of profit-sharing plan design that allows a plan sponsor to create employee classifications and provide for different allocation rates.
Plan Design
Comprehensive options or recordkeeping-only for your TPA-centric plans.
Open Architecture
30,000 funds trading through NSCC and 100+ Collective Investment Trusts (CITFs).
Trustee Services
Directed Trustee or Full Discretionary Trustee
Fiduciary Services
3(16) Plan Fiduciary, 3(21) Investment Advisory and 3(38) Investment Management
Howard Capital Management 401(k) Optimizer Program
Analyze the choices in your employer’s retirement plan
Managing your own retirement investments can be tough, and the wrong choices could lead to less money at retirement. The Optimizer gives you direct, personalized advice so you can feel confident about your financial future.
Backed by Sophisticated Analysis
Although the HCM 401(k) Optimizer is simple to use, the underlying analysis is highly advanced. It’s like having your own personal investment advisor. And it’s on the job 24 hours a day, 365 days a year.
Receive a Detailed Report on Your Plan
Taking your age and comfort level with risk into account, the HCM 401(k) Optimizer recommends which investment options you should choose – and how much you should allocate to each.
Know What to do with Market Ups and Downs
No more worrying about your investments! When the market drops below the HCM-BuyLine®, you’ll get clear advice on how to restructure your portfolio in an attempt to protect your assets. You’ll also get advice on what to do when the market goes back up.
Make sure your retirement strategy is sound
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