The retirement industry has largely failed to help Americans provide themselves with a security blanket for retirement. Why? Complex fees, confusing investments, and a lack of financial education all contribute to the “retirement gap.” Cutler’s emPlan seeks to address each of these shortcomings. We work with Plan Sponsors on all aspects of the Plan, beginning with Plan Design all the way through to Participant education, to provide a comprehensive retirement plan solution.
emPlan begins with target-date portfolios built by Cutler’s investment team. These portfolios are on a “guide path” toward retirement, i.e. they are increasingly conservative as the year’s progress. Participants can rest easy, knowing that professional advisors are monitoring and managing their portfolio. Cutler can also provide customized investment options to allow for the Plan’s desired investment flexibility. We typically use lower-cost ETFs to gain exposure to investments that aren’t included in the target-date portfolios.
We take great pride in the experience, education, and background of our team. We continue to build upon this great foundation, growing our team’s expertise and investment experience. Our strength is our diversity of thought and our ability to form consensus using these different points of view.