not on my nickel for employers
DESCRIPTION
Not On My Nickel (http://notonmynickel.com) is the first independent retirement investment research and education service designed to shift the current retirement investment distribution model from one of dependency to one of engagement. Not On My Nickel is an easy to use, education and research service for Employers to offer their employees in conjunction with their 401k Brokerage Window. It may also be used by small Simple IRA plans or individual investors that roll their 401k’s over to IRA’s. The new service addresses three flaws in the current delivery of services to retirement investors: First, it eliminates the high assets-under-management fees paid to financial advisors who deliver little to no additional value. Second, it eliminates the dependency on conflicted advice from stockbrokers/financial advisors offering proprietary product. Third, it provides an immediate alternative to the high-fee, poorly performing mutual funds in 401(k) plans. Not On My Nickel is available immediately to work with employers to provide this new service to their employees. Upcoming lunch hour Twitter Chats will be available for one-on-one assistance and consulting, upon request. The service also provides one-one-employee consulting services with an independent financial services professional with over 30 years diversified experience in asset management and global capital markets. It is the first retirement service designed to actively engage employees to take control of their retirement nest egg, through straight forward, easy to understand tools. It is the first service to provide direct access for employees to the very few select active portfolio managers that have out-performed their relevant index for decades, at a reasonable and fair fee, while at the same time eliminating conflicted high intermediary advisor fees. It clears up the employees expressed confusion, provides clarity and transparency, and eliminates the noise created by 1,000’s of poorly performing mutual fund choices, in one simple to use independent, non-conflicted service.TRANSCRIPT
1©2013 Not On My Nickel
Monday, July 1, 13
2©2013 Not On My Nickel
Monday, July 1, 13
3©2013 Not On My Nickel
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Monday, July 1, 13
3©2013 Not On My Nickel
? Do our employees understand the retirement investing playing field?
Monday, July 1, 13
3©2013 Not On My Nickel
? Do our employees understand the retirement investing playing field?
Has our plan been updated to reflect how the rules of the game have changed?
Monday, July 1, 13
3©2013 Not On My Nickel
? Do our employees understand the retirement investing playing field?
Has our plan been updated to reflect how the rules of the game have changed?
Do our employees know where to find the best-performing funds at the lowest cost?
Monday, July 1, 13
4©2013 Not On My Nickel
?
Monday, July 1, 13
4
Reduce your 401(k) plan costs?
©2013 Not On My Nickel
?
Monday, July 1, 13
4
Reduce your 401(k) plan costs?
Provide proven portfolio returns and managers with lower fees?
©2013 Not On My Nickel
?
Monday, July 1, 13
4
Reduce your 401(k) plan costs?
Provide proven portfolio returns and managers with lower fees?Empower employees to take control of their financial future & eliminate their dependency on others?
©2013 Not On My Nickel
?
Monday, July 1, 13
4
Reduce your 401(k) plan costs?
Provide proven portfolio returns and managers with lower fees?Empower employees to take control of their financial future & eliminate their dependency on others?
Reduce regulatory costs, saving taxpayer dollars?
©2013 Not On My Nickel
?
Monday, July 1, 13
4
Reduce your 401(k) plan costs?
Provide proven portfolio returns and managers with lower fees?Empower employees to take control of their financial future & eliminate their dependency on others?
Reduce regulatory costs, saving taxpayer dollars?
Build a society of individuals who are responsible for their retirement?
©2013 Not On My Nickel
?
Monday, July 1, 13
5©2013 Not On My Nickel
MAJOR PROBLEMS WITH THE RETIREMENT INDUSTRY TODAY!
Monday, July 1, 13
5©2013 Not On My Nickel
MAJOR PROBLEMS WITH THE RETIREMENT INDUSTRY TODAY! No professional standards
Monday, July 1, 13
5©2013 Not On My Nickel
MAJOR PROBLEMS WITH THE RETIREMENT INDUSTRY TODAY! No professional standards
Investments are based on an increasingly controversial computer model
Monday, July 1, 13
5©2013 Not On My Nickel
MAJOR PROBLEMS WITH THE RETIREMENT INDUSTRY TODAY! No professional standards
Investments are based on an increasingly controversial computer model
Adds an unnecessary layer of cost that significantly reduces employee returns
Monday, July 1, 13
5©2013 Not On My Nickel
MAJOR PROBLEMS WITH THE RETIREMENT INDUSTRY TODAY! No professional standards
Investments are based on an increasingly controversial computer model
Adds an unnecessary layer of cost that significantly reduces employee returns
Financial literacy efforts have failed due to lack of engagement and dependency on financial advisors
Monday, July 1, 13
5©2013 Not On My Nickel
MAJOR PROBLEMS WITH THE RETIREMENT INDUSTRY TODAY! No professional standards
Investments are based on an increasingly controversial computer model
Adds an unnecessary layer of cost that significantly reduces employee returns
Financial literacy efforts have failed due to lack of engagement and dependency on financial advisors
Financial industry advertising & marketing create demand for advice services, not engaging investors
Monday, July 1, 13
6©2013 Not On My Nickel
FACT
LOOK
30.3% Average retirement savings lost to fees over an individual’s investing lifetime $154,794!The Retirement Savings Drain,Robert Hiltonsmith, Demos.org
America’s retirement system desperately needs an overhaul to spare workers’ retirement savings from high fees, an unhealthy advisory dependence and poorly performing investments.
Monday, July 1, 13
6©2013 Not On My Nickel
FACT
LOOK
America’s retirement system desperately needs an overhaul to spare workers’ retirement savings from high fees, an unhealthy advisory dependence and poorly performing investments.
Recent studies show many 401(k) plans hold poorly performing options
BrightScope
Monday, July 1, 13
6©2013 Not On My Nickel
FACT
LOOK
America’s retirement system desperately needs an overhaul to spare workers’ retirement savings from high fees, an unhealthy advisory dependence and poorly performing investments.
Advice to employees in 401(k) plans is conflicted and fees are hidden from employee investors (advice fees should NEVER be embedded in 401(k) plans!)
Third-parties agree
Monday, July 1, 13
6©2013 Not On My Nickel
FACT
LOOK
America’s retirement system desperately needs an overhaul to spare workers’ retirement savings from high fees, an unhealthy advisory dependence and poorly performing investments.
Employees are taught through media, advertising and FINRA education to rely on an “expert” advisor. Because of this reliance they never learn how to invest directly, which prevents them from becoming engaged.
2012 NFCS Report
Monday, July 1, 13
6©2013 Not On My Nickel
FACT
LOOK
America’s retirement system desperately needs an overhaul to spare workers’ retirement savings from high fees, an unhealthy advisory dependence and poorly performing investments.
Recent academic studies show Modern Portfolio Theory may be harming returns due to unnecessary portfolio rebalancing, which drives up trading costs – which drives up hidden fees!
The Retirement Savings Drain,Robert Hiltonsmith, Demos.org
Monday, July 1, 13
7©2013 Not On My Nickel
DO YOUR EMPLOYEES KNOW...?
Monday, July 1, 13
7©2013 Not On My Nickel
DO YOUR EMPLOYEES KNOW...? Which mutual funds they are invested in?
Monday, July 1, 13
7©2013 Not On My Nickel
DO YOUR EMPLOYEES KNOW...? Which mutual funds they are invested in? Which investment company manages their money?
Monday, July 1, 13
7©2013 Not On My Nickel
DO YOUR EMPLOYEES KNOW...? Which mutual funds they are invested in? Which investment company manages their money? The true fees they are paying for management in dollars, not percentages?
Monday, July 1, 13
7©2013 Not On My Nickel
DO YOUR EMPLOYEES KNOW...? Which mutual funds they are invested in? Which investment company manages their money? The true fees they are paying for management in dollars, not percentages? The experience, credentials and past performance of their ERISA or other financial advisor?
Monday, July 1, 13
7©2013 Not On My Nickel
DO YOUR EMPLOYEES KNOW...? Which mutual funds they are invested in? Which investment company manages their money? The true fees they are paying for management in dollars, not percentages? The experience, credentials and past performance of their ERISA or other financial advisor? Guidelines and criteria to understand what constitutes high fees and outperformance?
Monday, July 1, 13
7©2013 Not On My Nickel
DO YOUR EMPLOYEES KNOW...? Which mutual funds they are invested in? Which investment company manages their money? The true fees they are paying for management in dollars, not percentages? The experience, credentials and past performance of their ERISA or other financial advisor? Guidelines and criteria to understand what constitutes high fees and outperformance? How to compare their current portfolio performance to an option that can save them $100,000s over their investing lifetime?
Monday, July 1, 13
7©2013 Not On My Nickel
DO YOUR EMPLOYEES KNOW...? Which mutual funds they are invested in? Which investment company manages their money? The true fees they are paying for management in dollars, not percentages? The experience, credentials and past performance of their ERISA or other financial advisor? Guidelines and criteria to understand what constitutes high fees and outperformance? How to compare their current portfolio performance to an option that can save them $100,000s over their investing lifetime? They are ultimately responsible for their individual retirement savings?
Monday, July 1, 13
7©2013 Not On My Nickel
DO YOUR EMPLOYEES KNOW...? Which mutual funds they are invested in? Which investment company manages their money? The true fees they are paying for management in dollars, not percentages? The experience, credentials and past performance of their ERISA or other financial advisor? Guidelines and criteria to understand what constitutes high fees and outperformance? How to compare their current portfolio performance to an option that can save them $100,000s over their investing lifetime? They are ultimately responsible for their individual retirement savings?
Here’s how your employees learn
to say yes to these questions
Monday, July 1, 13
8©2013 Not On My Nickel
People are demanding transparency about the fees they pay.
IN OUT
Monday, July 1, 13
8©2013 Not On My Nickel
People are demanding transparency about the fees they pay.
IN OUTActive management Passive management (Index funds) by financial advisors based on Modern Portfolio Theory
Monday, July 1, 13
8©2013 Not On My Nickel
People are demanding transparency about the fees they pay.
IN OUTDIY direct investing Conflicts of interests with middlemen advisors
Monday, July 1, 13
8©2013 Not On My Nickel
People are demanding transparency about the fees they pay.
IN OUTTrue portfolio manager fiduciaries
Self-serving financial advisors who present themselves as fiduciaries
Monday, July 1, 13
8©2013 Not On My Nickel
People are demanding transparency about the fees they pay.
IN OUTPaying one low fee, one time
Paying advice fees multiple times due to hidden expenses – to broker, financial advisor and 401(k) plan
Monday, July 1, 13
8©2013 Not On My Nickel
People are demanding transparency about the fees they pay.
IN OUTProven balanced funds Controversial Target Date Funds
Monday, July 1, 13
8©2013 Not On My Nickel
People are demanding transparency about the fees they pay.
IN OUT Keeping $100,000s in your employees‘ retirement savings
Putting money in financial advisors‘ pockets!
Monday, July 1, 13
9©2013 Not On My Nickel
New online investing services are no better than traditional advisors to deliver what investors need today
Low Fees Proven performance
Experienced active PMs/fiduciaries
Conflict-free research & education designed to engage employees
Passive/Index investing
Uses Computer model, Modern Portfolio Theory, Target Date Funds
Charges advice fee
Not On My Nickel X X X X
Wealthfront.com X X X
Betterment.com X X X
Financialengines.com X X X
Guidedchoice.com X X X
Traditional Advisor X X
Monday, July 1, 13
9©2013 Not On My Nickel
New online investing services are no better than traditional advisors to deliver what investors need today
Low Fees Proven performance
Experienced active PMs/fiduciaries
Conflict-free research & education designed to engage employees
Passive/Index investing
Uses Computer model, Modern Portfolio Theory, Target Date Funds
Charges advice fee
Not On My Nickel X X X X
Wealthfront.com X X X
Betterment.com X X X
Financialengines.com X X X
Guidedchoice.com X X X
Traditional Advisor X X
Are your employees aware of a new choice for retirement
investing available today?
Monday, July 1, 13
10©2013 Not On My Nickel
Monday, July 1, 13
10©2013 Not On My Nickel
Independent, conflict-free research to find only the very few top portfolio managers that outperform the indices for 5, 10 and 20 years
Monday, July 1, 13
10©2013 Not On My Nickel
Independent, conflict-free research to find only the very few top portfolio managers that outperform the indices for 5, 10 and 20 years
Prudent alternatives to Target Date Funds
Monday, July 1, 13
10©2013 Not On My Nickel
Independent, conflict-free research to find only the very few top portfolio managers that outperform the indices for 5, 10 and 20 years
Prudent alternatives to Target Date Funds
Ongoing research, education and employee engagement through interactive tools
Monday, July 1, 13
11©2013 Not On My Nickel
Not On My Nickel is the first and only independent research and education service designed to engage employees.We simplify retirement investing and actively engage employees to take control of their future with tools that provide:
Monday, July 1, 13
11©2013 Not On My Nickel
Not On My Nickel is the first and only independent research and education service designed to engage employees.We simplify retirement investing and actively engage employees to take control of their future with tools that provide:
Transparency to immediately eliminate unnecessary fees
Monday, July 1, 13
11©2013 Not On My Nickel
Not On My Nickel is the first and only independent research and education service designed to engage employees.We simplify retirement investing and actively engage employees to take control of their future with tools that provide:
Transparency to immediately eliminate unnecessary fees
Interactive education to make the confident investing choices
Monday, July 1, 13
11©2013 Not On My Nickel
Not On My Nickel is the first and only independent research and education service designed to engage employees.We simplify retirement investing and actively engage employees to take control of their future with tools that provide:
Transparency to immediately eliminate unnecessary fees
Interactive education to make the confident investing choices
Access to a short list of the best investment options
Monday, July 1, 13
11©2013 Not On My Nickel
Not On My Nickel is the first and only independent research and education service designed to engage employees.We simplify retirement investing and actively engage employees to take control of their future with tools that provide:
Transparency to immediately eliminate unnecessary fees
Interactive education to make the confident investing choices
Access to a short list of the best investment options
Education to keep employees engaged to monitor their investing choices
Monday, July 1, 13
11©2013 Not On My Nickel
Not On My Nickel is the first and only independent research and education service designed to engage employees.We simplify retirement investing and actively engage employees to take control of their future with tools that provide:
Transparency to immediately eliminate unnecessary fees
Interactive education to make the confident investing choices
Access to a short list of the best investment options
Education to keep employees engaged to monitor their investing choices
HERE’S HOW IT WORKS...
Monday, July 1, 13
12©2013 Not On My Nickel
Eliminate the middleman from your employees’ retirement investing equation
Monday, July 1, 13
13©2013 Not On My Nickel
Simplifies the Universe of 1,000s of Mutual Fund Choices by Doing the Time-Consuming Research Using a Three-Step Approach
Monday, July 1, 13
13©2013 Not On My Nickel
Simplifies the Universe of 1,000s of Mutual Fund Choices by Doing the Time-Consuming Research Using a Three-Step Approach
Research all mutual funds against our six criteria1
Monday, July 1, 13
Superior, long-term resultsManagers with 10- and 20-year track records of outperforming the benchmark, by at least 2% after fees, when feasible.
13©2013 Not On My Nickel
Simplifies the Universe of 1,000s of Mutual Fund Choices by Doing the Time-Consuming Research Using a Three-Step Approach
Research all mutual funds against our six criteria1
Monday, July 1, 13
Low management feesTotal expense ratio is less than 0.75%.
13©2013 Not On My Nickel
Simplifies the Universe of 1,000s of Mutual Fund Choices by Doing the Time-Consuming Research Using a Three-Step Approach
Research all mutual funds against our six criteria1
Monday, July 1, 13
Sustainable economic valueMutual funds who contribute to the improvement of the U.S. economy.
13©2013 Not On My Nickel
Simplifies the Universe of 1,000s of Mutual Fund Choices by Doing the Time-Consuming Research Using a Three-Step Approach
Research all mutual funds against our six criteria1
Monday, July 1, 13
Low portfolio turnoverMutual funds with 15% or less portfolio turnover, when feasible.
13©2013 Not On My Nickel
Simplifies the Universe of 1,000s of Mutual Fund Choices by Doing the Time-Consuming Research Using a Three-Step Approach
Research all mutual funds against our six criteria1
Monday, July 1, 13
Number of other funds managed by the companyCompanies that oversee one or two funds. Ones that do not stretch their resources by overseeing too many funds.
13©2013 Not On My Nickel
Simplifies the Universe of 1,000s of Mutual Fund Choices by Doing the Time-Consuming Research Using a Three-Step Approach
Research all mutual funds against our six criteria1
Monday, July 1, 13
An operating philosophy that proves clients come firstWe ask: What is their history of ethics? Is the fund manager consistent in their strategy over time? Are fees excessive and the primary driver of their business? Is the manger pay excessive? Do they have past regulatory concerns or fines?
13©2013 Not On My Nickel
Simplifies the Universe of 1,000s of Mutual Fund Choices by Doing the Time-Consuming Research Using a Three-Step Approach
Research all mutual funds against our six criteria1
Monday, July 1, 13
Fact check the short list of portfolio managers against third-party rating services
2
13©2013 Not On My Nickel
Simplifies the Universe of 1,000s of Mutual Fund Choices by Doing the Time-Consuming Research Using a Three-Step Approach
Research all mutual funds against our six criteria1
Monday, July 1, 13
Fact check the short list of portfolio managers against third-party rating services
2
13©2013 Not On My Nickel
Simplifies the Universe of 1,000s of Mutual Fund Choices by Doing the Time-Consuming Research Using a Three-Step Approach
Research all mutual funds against our six criteria1
Fact check the short list against their SEC filings3
Monday, July 1, 13
Fact check the short list of portfolio managers against third-party rating services
2
13©2013 Not On My Nickel
Simplifies the Universe of 1,000s of Mutual Fund Choices by Doing the Time-Consuming Research Using a Three-Step Approach
Research all mutual funds against our six criteria1
Fact check the short list against their SEC filings3
The result is a handful of proven, active portfolio managers for employees to choose from
Monday, July 1, 13
14©2013 Not On My Nickel
Employees choose from conflict-free, independent research resulting in only the best-performing mutual funds at the lowest fees
Monday, July 1, 13
14©2013 Not On My Nickel
All top investment options are:
Employees choose from conflict-free, independent research resulting in only the best-performing mutual funds at the lowest fees
Monday, July 1, 13
14©2013 Not On My Nickel
All top investment options are:
Portfolio managers who are true fiduciaries overseeing discretionary investments (they make the best decisions for the investor)
Employees choose from conflict-free, independent research resulting in only the best-performing mutual funds at the lowest fees
Monday, July 1, 13
14©2013 Not On My Nickel
All top investment options are:
Portfolio managers who are true fiduciaries overseeing discretionary investments (they make the best decisions for the investor)
Qualified with decades of experience managing retirement assets that outperform their benchmark
Employees choose from conflict-free, independent research resulting in only the best-performing mutual funds at the lowest fees
Monday, July 1, 13
14©2013 Not On My Nickel
All top investment options are:
Portfolio managers who are true fiduciaries overseeing discretionary investments (they make the best decisions for the investor)
Qualified with decades of experience managing retirement assets that outperform their benchmark
Never driven by computer models or algorithms
Employees choose from conflict-free, independent research resulting in only the best-performing mutual funds at the lowest fees
Monday, July 1, 13
14©2013 Not On My Nickel
Employees select one or two core U.S. Equity or U.S. Balanced managers, typically representing 60% of their savings. Then, select International, Aggressive Growth, Bonds or Cash to round out 100% of their holdings
Monday, July 1, 13
15©2013 Not On My Nickel
Monday, July 1, 13
15©2013 Not On My Nickel
Employees can choose Cash investments using the online step-by-step guide
Monday, July 1, 13
15©2013 Not On My Nickel
Employees directly purchase their selected funds through the employer’s brokerage window to save 0.25%–3.0% in unnecessary fees
If the company does not have a brokerage window in their 401(k), one can easily be added
Monday, July 1, 13
Employees stay connected with Not On My Nickel’s educational pieces
15©2013 Not On My Nickel
Monday, July 1, 13
16©2013 Not On My Nickel
Employees stay connected with Not On My Nickel’s educational pieces
NewsletterMonthly
Monday, July 1, 13
16©2013 Not On My Nickel
Employees stay connected with Not On My Nickel’s educational pieces
NewsletterMonthly
EducationalBlogs
Weekly
Monday, July 1, 13
16©2013 Not On My Nickel
Employees stay connected with Not On My Nickel’s educational pieces
NewsletterMonthly
EducationalBlogs
Weekly
Daily Social Media
Monday, July 1, 13
17©2013 Not On My Nickel
Monday, July 1, 13
18©2013 Not On My Nickel
Monday, July 1, 13
18©2013 Not On My Nickel
See for yourself how employees can:
Monday, July 1, 13
18©2013 Not On My Nickel
See for yourself how employees can: Access the safest, most conservative and cost-effective retirement savings option today as they take control of their financial well being
Monday, July 1, 13
18©2013 Not On My Nickel
See for yourself how employees can: Access the safest, most conservative and cost-effective retirement savings option today as they take control of their financial well being
While you:
Monday, July 1, 13
18©2013 Not On My Nickel
See for yourself how employees can: Access the safest, most conservative and cost-effective retirement savings option today as they take control of their financial well being
While you: Reduce your 401(k) plan costs
Monday, July 1, 13
18©2013 Not On My Nickel
See for yourself how employees can: Access the safest, most conservative and cost-effective retirement savings option today as they take control of their financial well being
While you: Reduce your 401(k) plan costs
Provide proven portfolio returns and manager with lower fees
Monday, July 1, 13
18©2013 Not On My Nickel
See for yourself how employees can: Access the safest, most conservative and cost-effective retirement savings option today as they take control of their financial well being
While you: Reduce your 401(k) plan costs
Provide proven portfolio returns and manager with lower fees
Engage employees through transparency and education
Monday, July 1, 13
18©2013 Not On My Nickel
See for yourself how employees can: Access the safest, most conservative and cost-effective retirement savings option today as they take control of their financial well being
While you: Reduce your 401(k) plan costs
Provide proven portfolio returns and manager with lower fees
Engage employees through transparency and education
Empower employees to take control of their financial future
Monday, July 1, 13
18©2013 Not On My Nickel
See for yourself how employees can: Access the safest, most conservative and cost-effective retirement savings option today as they take control of their financial well being
While you: Reduce your 401(k) plan costs
Provide proven portfolio returns and manager with lower fees
Engage employees through transparency and education
Empower employees to take control of their financial future
Reduce regulatory costs, saving taxpayer dollars
Monday, July 1, 13
18©2013 Not On My Nickel
See for yourself how employees can: Access the safest, most conservative and cost-effective retirement savings option today as they take control of their financial well being
While you: Reduce your 401(k) plan costs
Provide proven portfolio returns and manager with lower fees
Engage employees through transparency and education
Empower employees to take control of their financial future
Reduce regulatory costs, saving taxpayer dollars
Build a society of individuals responsible for their retirement
Monday, July 1, 13
19©2013 Not On My Nickel
Contact Susan Seltzer for a password:608-492-0349 [email protected]
Monday, July 1, 13
20©2013 Not On My Nickel
The first and only independent research and education service that teaches employees to take charge of their retirement savings
i
Provides immediate access to the best-performing portfolio managers at the lowest fees
Offers ongoing eduction and resources
Grounded in a spirit of teaching others how to take control of their financial future
Visit us at www.NotOnMyNickel.com
Monday, July 1, 13