Employer Sponsored Retirement Plans: 403(b) and 401(k)
Fidelity 403(b):
Through our long standing relationship with Fidelity Investments, Potomac has the ability to manage plan participant 403(b) accounts through our Advisor Express/403(b) strategy. (In addition this strategy is also available for 401(a) and 457(b) Participants and Employees of Non-Profits and Governmental entities).
You do not have to be an approved advisor on the plan as Fidelity takes on that role.The plan however must meet the following criteria:
- Offer Fidelity as a vendor
- Allow for advisor trading
- Allow for fee deduction
- Allow the entire Fidelity Fund lineup
This opportunity is best suited for those advisors that currently have relationships with clients at an approved plan. To check whether this opportunity is available at your local plan please give us a call.
Advisor Express / 403(b)
Advisor Express / 403(b)
Objective
This strategy is designed to provide moderate growth, using the Fidelity Funds universe, while participating in U.S. and international markets and to limit portfolio volatility and risk of extensive loss.
Strategy Highlights
| Investment Objective: | Moderate Growth |
| Account Minimum: | $50,000 |
| Investment Custodian: | Fidelity Investments |
| Strategy Inception Date: | 01/01/2003 |
Description
The Advisor Express/403(b) strategy is actively allocated across many sectors and/or asset classes over weighting those exhibiting the best risk-to-reward ratio. Investments are limited to mutual funds available in the large and broad based Fidelity Funds universe. Allocations can vary from highly diversified to highly concentrated in order to take advantage of the current and forecasted market environment. Risk managed policies employ the use of cash or money market funds during adverse conditions; these positions could at times be 100%.
Prospective Client
This strategy is suitable for investors wanting exposure to equity markets with an emphasis on a combination of moderate growth and capital preservation. The typical Advisor Express/403(b) client is one enrolled in a program that restricts the investment selection to the Fidelity Funds universe.
401(k): Collective Investment Funds
Alta Trust Company, as the trustee, has engaged Potomac Fund Management as the investment manager of three collective investment funds called the Tactical Advantage Funds™. Currently, these funds are offered to 401k plans across the U.S.
Core Funds:
- Conservative: Income Plus
- Conservative to Moderate: Guardian
- Moderate to Aggressive: Navigrowth
The Tactical Advantage Funds™ were created to replicate our Managed Accounts. For more information please visit our "Managed Accounts" section.
The funds use the innovative tactical investment style and track record of Potomac Fund Management. Using its over 20 years of expertise in active risk management Potomac makes changes to the underlying investments in the Tactical Advantage Funds™, providing plan participants with funds that are responsive to the changes in the markets.
Please contact Potomac to find out how to add these funds to your 401(k) plan.
