Chairvolotti Financial is proud to offer Participant Advice Solutions. For a low, fixed fee we offer investment management, allocation strategies, and financial assistance. Participant Advice Solutions was created with the goal of offering plan participants access to affordable, professional investment management. We do not need to be the advisor for your company’s 401(k) plan; all we need is your 401(k)’s fund lineup.
You will receive an investment allocation that consists of a selection of funds that are currently available in your company’s 401(k). These allocations are received quarterly (or sooner if the market dictates) and are derived from the funds’ individual performances and your own personal risk tolerance. You will also have full-time access to a financial professional to assist you in any other area of your finances that may need professional guidance.
Our approach to investing utilizes your 401(k)’s investment options to take advantage of their seasonality. Investments rotate in and out of favor like produce in a grocery store, and the individual investments themselves go through the life cycle of a banana. When a trend begins, the banana begins to ripen. Once a trend reaches its peak “sweetness,” the trend will begin its descent out of favor- no different than a sweet, spotted banana beginning to rot. Once the trend begins to rot, we discover where the new trend is occurring and begin to allocate there instead; we don’t time the market, we trend the market. Our team of investment professionals identify these trends in the market by factoring in macroeconomic events, sector dispersion, and personal risk tolerance to ensure that your investments are not only effective, but appropriate for your unique financial situation.
When you invest over long periods of time, there will be inevitable volatility in your balances due to economic cycles. We tend to hear volatility and immediately think recession or market corrections, but volatility can be to the upside as well. Research shows that it is more important to have time in the market, not timing the market, when it comes to investing. We will be here to offer guidance and reassurance during periods of volatility or downswings, and here to strategize and create appropriate allocations for the upswings. We don’t win all the time, but we do win over time.