✓ theTicker®

Engagement and education matter.

The retirement investor wins, the economy wins and society wins.

Retirement investors can’t afford excessive fees that don’t add value, and they can’t accept poor investment performance when there are better alternatives. With the proper tools, benchmarks and engagement, unnecessary fees and expenses can be avoided, resulting in nest eggs that grow faster and larger. This serves to fuel greater consumer spending at retirement and puts less strain on social programs.

Independent online retirement investing selection criteria and robust tools open a new window of engagement for retirement investors. The tools both engage and educate. Savings will grow, not only through an engaged retirement investor, but through significantly reduced fees and improved performance.

✓ theTicker is the first digital e-learning process that provides the retirement investor the interactive tools to evaluate performance and fees. Performance matters, after all fees, including “advisor” or intermediary fees.

✓ theTicker is the first digital e-learning process to eliminate out-dated, costly retirement investment product distribution systems and redundant intermediaries through today’s technology.

✓ theTicker is the first digital e-learning process to introduce SEP and SIMPLE DIRECT plans for small businesses and state governments that seek to provide the most cost effective retirement plan alternative, that provides independent eLearning for a lifetime that engages and promotes personal responsibility in one’s retirement future.

Why ✓ theTicker

Transparency is key to capitalism.

The big data future has arrived.  You no longer have to guess who your best retirement money manager is. ✓ theTicker provides you the tools and the data to make an informed decision. By choosing a few hours invested in education over paying a broker a sales distribution fee, or an advisor omnibus accounting fees, or lost performance due to conflicted advice, you reap thousands of dollars of savings immediately.

Eliminate redundant costs of a minimum of 3% annually for your retirement nest egg.

By accessing the top U.S. SEC filing audited portfolio managers directly, you save immediately:

  • 1/2% in double accounting fees (Omnibus accounting fees)
  • 1/2% in administrative fees, distribution/sales fees and platform charges for broker dealers that add no value
  • 1% – 1.5% average “financial advisor” annual assets under management fee
  • 1/4% for “selling” education that is provided in the best interest of the financial services firm
  • 1% loss in additional performance, by ensuring you know how to locate the top performing mutual fund manager
  • Cyber security risks that broker dealers and/or advisors pose to retirement investors through redundant tracking and intermediary administration

Now you have the hard data to answer these questions:

  • Is the mutual fund the broker is selling for my retirement the best one for me?
  • How do I pick the best core option money manager(s) in my employer-offered 401k plan?
  • Am I better off going direct to a money manager, than paying an “Advisor” an annual fee of about 1%? How do I decide?
  • How can I eliminate the broker-dealer to save double accounting fees, mandatory arbitration clauses and cyber-security risks?
  • Can I use ✓ theticker to evaluate my investment advisor’s recommendations?
  • What are the best options available for self-employed and small business plans?

It’s a big deal

Over the past three decades, since the advent of 401ks, new retirement products and evolving intermediary roles, which have generally lacked regulatory oversight, have caused billions of dollars of needless losses to retirement savers. According to a 2015 White House “The Effects of Conflicted Advice on Retirement Savings”, February 23, 2015, Jason Furman and Betsey Stevenson, report, demonstrates retirement investors are giving up over $17 billion to conflicted “advisors” today.

A 2015 Public Investors Arbitration Bar Association (PIABA) report, “Major Investor Losses Due To Conflicted Advice: Brokerage Industry Advertising Creates The Illusion Of A Fiduciary Duty”,  March 25, 2015 by Joseph C. Pfeiffer and Christine Lazaro, states that Federal action is needed to stop U.S. brokerage firms from misleading retirement investors. “Brokerage firms now engage in advertising that is clearly calculated to leave the false impression with investors that stockbrokers take the same fiduciary care as a doctor or a lawyer.” A broker sells product and receives commissions for sales, not “advice.”

Not all financial firms and employer plans are unbiased in their selection of funds – some benefit them directly through shared revenues, which influences the range of choice; others simply don’t thoroughly examine performance before determining employee options. And many don’t educate investors about the tax benefits of long-term Health Savings Accounts and how to select them.

Burgeoning financial intermediary cyber-security risks highlighted by the SEC mandate immediate transparency to retirement investors to protect their savings.

✓ theTicker direct method of accessing your money manager eliminates these cyber security risks posed by brokers, advisors and broker dealers.

✓ theTicker 6-Point Selection Criteria

✓ theTicker provides a 6-Point Selection Criteria – a road map to guide the retirement investor in selecting the highest performing money managers, at the lowest cost, based on analyst ratings and compiled data through API’s.

All subscribers learn the protections and conservative strategy that a retirement money manager presents when one has a “Ticker” to facilitate an orderly, fact-based protocol, for any investment selection:

  • Superior, long-term results — Mutual funds and portfolio managers with 10- and 20-year track records who have outperformed the benchmark by at least 1%-2% after fees, when feasible. The “ticker” ensures audited performance for the fund manager is filed at the SEC on a regular basis.
  • Low management fees — Mutual fund companies whose total expense ratio is less than 0.75%. Most of this fee goes to the actual portfolio manager.
  • Low portfolio turnover — Mutual funds with 15% or less portfolio turnover, when feasible. Learn how to focus on money managers that do not present systemic risks, as defined by the U.S. Department of Treasury’s Office of Financial Research.
  • Dividend Yield and Total Return – As retirement investors move out of the accumulation phase, into their retirement, they require an understanding of dividend yield for their income needs.
  • Top-rated Custodian – A manager that uses a custodian, with over five years retirement investor custody experience, and has an established track-recording of safe-keeping client assets.  Understanding how a custodian can vary significantly and pose risks when one uses a financial intermediary to purchase core retirement product, in lieu of a SEC registered investment company, that is mandated by Federal law to have a separate custodian.
  • Sustainable economic value — Mutual funds that contribute to the improvement of the U.S. economy. For example, a basic understanding of use of speculative derivative instruments, such as the ones that led to the 2008 economic meltdown, by money managers.  Learn how to evaluate holdings and locate international research on the best performing, lowest cost ESG (environmental, social and governance) money managers.