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Investing has changed a lot over the years. My grandparents gained exposure to the markets by doing one of two things: buying stocks or buying bonds. Throughout the 20^th century, a litany of different investment vehicles were introduced...

Asset Allocation | Equities | Fixed Income

Would you like your investment committee to utilize best practices and produce better outcomes? This rundown from a recent...

Defined Benefit | Defined Contribution | Fiduciary and Governance | 401(k) Plan | 403(b)

Associations today must deal with a significant set of financial challenges. Even before the COVID-19 pandemic impacted the global economy, associations were evolving by seeking new revenue streams and membership models. During this public health crisis, associations confronted a cross-current of painful realities: meeting cancellations, membership consolidation and...

Asset Allocation | Fiduciary and Governance | Investment Policy

Estate tax laws have been undergoing change over the last couple of decades, but in every instance of revision, they have managed to move forward, not backward, regarding exemptions, rates and flexibility. Despite this...

Financial Planning

All of us struggled with the unexpected this past year, much of it involving strife and heartache – especially for charitable organizations and those they serve. But one thing played out better than you expected...

Asset Allocation | Fiduciary and Governance | Investment Policy

For more than 10 years, investors attained double-digit gains by investing in the stock market. As a result, 401(k) balances and other investment pools achieved high material growth. This environment also drove the advent and growth of a uniquely attractive type of retirement plan...

Defined Benefit

Financial wellness is an overall sense of stability and control over an individual’s personal financial situation. Financial wellness helps people feel safe and secure about their long-term financial outlook. Specifically, a state of financial wellness is characterized by...

Defined Contribution | Financial Planning | 401(k) Plan | 403(b)

These days, we are witnessing a trending increase in requests from clients and prospective clients for an outsourced consulting model or partially outsourced consulting model in which...

Discretionary/OCIO

In December 2020, Fiducient Advisors, hosted a roundtable webcast titled “Diversity, Equity & Inclusion in Investment Management.” During this informative and intriguing discussion, the panel considered the fact that the investment management industry is...

SRI and ESG

Regular reviews of investment performance are a valuable exercise but only when done properly. In 1983, a group of elderly women met in a church basement in Beardstown, Illinois and …

Asset Allocation | Investment Policy

One of the most important factors in ensuring the long-term success of a charitable organization is committing to a strong governance process. Particularly as it relates to investment results, all …

On January 20, 2020, the first case of COVID-19 was diagnosed in the United States. As the virus continued to spread, many states issued stay-at-home orders, employers instituted work-from-home policies and the decade-plus bull market quickly reversed course. This not only impacted personal savings but also $6.3 trillion in retirement plan assets...

Defined Benefit | Defined Contribution

According to a recent CAF America survey, 93 percent of charitable organizations project a decrease in funding over the next 12 months1. If inflows will likely decrease and returns are …

We will share five initiatives to help ensure you are communicating effectively and efficiently to your existing clients, prospective clients and centers-of-influence (COIs)...

In a time when we are most concerned about our physical safety as it relates to the ongoing pandemic, there lies another hidden fear of safety lurking. Everyone notices the increasingly growing tech sector...

COVID-19

With the increase in high deductible health insurance plans, Health Savings Accounts (HSA) have seen a significant jump in utilization. An HSA provides a unique combination of tax benefits, withdrawal …

Defined Benefit | Defined Contribution | 401(k) Plan | 403(b)

It’s no secret that COVID-19 altered the world as we know it, including the investment universe. In fact, over the last several months, the pandemic has shaped the way we work, the way we interact with each other, the way we spend money and the way we invest.

SRI and ESG

It’s the Fourth of July holiday, and all the kids and grandkids are gathered to celebrate at the family vacation home. Your children spend every July here most years. As you watch the next generation learn to swim and fish in these waters, so many memories come rushing back to you.

Financial Planning

You oversee an endowment or foundation for your nonprofit and my bet is that until around mid-March you were disappointed if you – acting as a good steward – constructed a prudently diversified portfolio.

Asset Allocation

Fiducient Advisors recently completed a survey of many of its financial institutions clients to analyze evolving business strategy in light of the COVID-19...

COVID-19