Probity Advisors’ 401(k) Platform gives your employees choices – not only in investment type, but also in the amount of advice they want. Your employees can manage their investments independently through an individual brokerage account, get limited assistance with a core mutual fund list, or turn their portfolio over to a professional money manager. As a business owner, you can choose to offer all of the following options, or eliminate any you may deem not appropriate for your employee base.

The Advisory Option, a low-cost, fully outsourced option, gives your employees an efficient way of investing in an indexed, multi-asset class portfolio, but with an active management overlay that tailors that portfolio to the current political and economic environment. This option is appropriate for accounts of all sizes.

The Multi-Manager Overlay Option provides a customized, individual account managed by Probity Advisors. This portfolio combines the models of some of the market’s most respected money managers, with asset allocation oversight by a Probity portfolio manager. This option can include a variety of investment instruments, including debt, individual equities, and cash equivalents.

The Individual Brokerage Account gives your employees the independence to manage their own investments in stocks, bonds, and mutual funds through a personal Charles Schwab & Company account with no professional advice or fees.

This option enables your employees to build their own mutual fund portfolio by choosing from a list of core mutual funds, compiled by Probity Advisors. This option includes large cap, small cap, foreign, bond, and money market funds available through Charles Schwab & Company. The Core Mutual Fund Option most closely resembles a traditional 401(k) plan, but with the added benefit of a periodic review of fund options by a professional money manager.

This fund option guarantees principal while offering growth at a stated rate of interest. It’s designed for the employee who is risk-averse and wants an investment choice that may provide a higher interest rate than a savings account, but with a similar degree of safety.

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