Francis Investment Counsel MoneyAdvice@Work® Service Team Disclosure
We act as an ERISA fiduciary to your benefit plan and to you, as a participant.
We work with your employer to support its Plan Administration duties as well as provide financial education and advice to its employees. We receive a fee from your employer, and/or the plan, in exchange for the services we render. Our flat fee structure is designed to eliminate any and all conflicts. The fee we earn is not impacted by any investment decisions you make.
We receive no additional compensation, direct or indirect, from service providers in connection with our retirement plan consulting, participant education and advice. We have no affiliation with any investment manager, recordkeeper, or bank provider that we may discuss with you.
We keep it confidential. Your MoneyAdvice@Work® advisor will not disclose any personal financial data about you to anyone outside of Francis Investment Counsel. Know that to improve our service delivery, we may share statistical information regarding plan participants on a non-personally identifiable basis.
We provide investment and financial planning advice, not tax or legal advice.
You’re in charge of any and all investment decisions for your account. You are free to accept or reject all or any part of the suggestions you may receive from your MoneyAdvice@Work® advisor. As investment returns are variable, we cannot guarantee any certain investment return or result. Historical performance information has been compiled from sources we believe to be reliable, but we cannot guarantee its accuracy or completeness. Past performance is not a guarantee of future results. Investment return and principal will fluctuate, and shares when sold may be worth more or less than their original cost. Any projected or anticipated return necessarily depends on a multitude of variables and assumptions, any or all of which may be mistaken. Accordingly, actual performance is likely to be different than projected performance of any asset allocation recommended.
We are happy to discuss assets not offered under the plan (“outside investments”). Know that we do not monitor these investments. To the extent we provide advice with respect to outside investments in the context of general asset allocation assistance, we are under no obligation to communicate updated performance and/or changes to the investment strategies of assets held outside of the retirement plan.
MoneyAdvice@Work® is offered through Francis Investment Counsel, a Registered Investment Adviser with the SEC.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the U.S.