THE RPA SERVICE MODEL – INVESTING YOUR WAY
RPA’s service model is built around you. We understand that people invest differently. You need to be able to invest for retirement in the way that’s most comfortable for you. Our decades of experience with public employees have taught us that there are generally three types of investors: do it myself, help me do it, do it for me. Do you see yourself in one of these categories?
Regardless of what category you see yourself in, you need to ask yourself if your investment allocation matches your risk tolerance, time horizon, and long-term goals.
Do It For Me
More and more participants are asking “Can you just do this for me?” and the answer is YES! Retirement Plan Advisors’ PortfolioPlus program is an optional, fee-based managed account specifically designed for public sector retirement plans. With PortfolioPlus, you delegate the ongoing responsibility of managing your retirement account to the investment professionals at RPA. Through our tactical approach to asset allocation and investment due diligence, we strive to increase return while managing risk.
Help Me Do It
For those who want or need some help managing their account, RPA financial advisors provide onsite retirement counseling covering your financial goals, time horizon and risk tolerance. We even provide personalized recommendations. In this model, while we offer help and advice, you ultimately make all the decisions and are responsible for the ongoing monitoring of your account.
Do It Myself
RPA provides the Do-It-Yourselfer with all the tools you need to successfully manage your account. We offer a comprehensive investment menu with “best-in-class” investment manager representation across a broad range of asset classes. The participant communication and education materials have all the necessary information, including investment performance reports, fee schedules, fact sheets and online tools to build an appropriate portfolio.
We’re here to help: 877.284.6837
GROUP RETIREMENT PLANS
Retirement Plan Advisors brings you a full-service approach to help you take advantage of your employer’s retirement plan. The process starts with you. We meet face to face to discuss your goals, risk tolerance and time horizon to help you navigate the road to retirement, and beyond.
RPA is available – in person, by phone or online – to answer your questions. And our public sector focus means we understand your unique circumstances. The future is better than you think.
Let’s talk: 877.284.6837
How does my plan work?
Your employer-sponsored retirement plan is an important supplement to pension and Social Security benefits for public employees. Contributions are made through the ease of payroll deduction. You may defer a portion of your current salary on a pre-tax basis, where earnings accumulate tax-deferred and withdrawals are taxed as ordinary income; or via Roth (after-tax) contributions, where earnings accumulate tax-deferred and qualifying distributions are tax-free.
LEARN MORE
457(b) Deferred Compensation Plan
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TALK WITH YOUR RPA FINANCIAL ADVISOR TODAY
Whether you’re in public safety, public works or administration, we understand your situation. We’ve spent our entire professional careers working with people just like you.
The Future is Better Than You Think!
Talk to an RPA Financial Advisor today: 877.284.6837
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investing for retirement
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The cost of waiting
If you save $25 a week, 52 weeks a year for the next 25 years at a 4% rate of return, you would accumulate more than $56,000 toward retirement. How much will you have at retirement?
