Differentiating Your Practice: Enhancing Participant Outcomes Standard Insurance Company
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1 Differentiating Your Practice: Enhancing Participant Outcomes 2010 Standard Insurance Company
2 The Retirement Advisor University Primer: Module Differentiating Your Practice: Enhancing Participant Outcomes Prepared in conjunction with: Fred Barstein Founder & Executive Director of The Retirement Advisor University (in Collaboration with UCLA Anderson Executive Education) FOR FINANCIAL ADVISOR USE ONLY. NOT FOR PUBLIC DISTRIBUTION.
3 Agenda Blue Ocean Strategy Improving DC Alpha TRAU Capstone FOR FINANCIAL ADVISOR USE ONLY. NOT FOR PUBLIC DISTRIBUTION.
4 Blue Ocean Strategy 4 FOR FINANCIAL ADVISOR USE ONLY. NOT FOR PUBLIC DISTRIBUTION.
5 Blue Ocean Strategy Blue Ocean Strategy by W. Chan Kim and Renee Mauborgne, INSEAD Red Ocean Strategies Blue Ocean Strategies Examples 5 FOR FINANCIAL ADVISOR USE ONLY. NOT FOR PUBLIC DISTRIBUTION.
6 Blue Ocean Strategy Why a Blue Ocean Business Strategy is Important to DC Advisors Commoditization Price Compression Triple F Advisor Sea of Sameness 6 FOR FINANCIAL ADVISOR USE ONLY. NOT FOR PUBLIC DISTRIBUTION.
7 Blue Ocean Strategy Creating Your Blue Ocean Strategy DC Alpha Traditional definition of alpha DC alpha defined Why DC alpha as a Blue Ocean Strategy 401(k) Heaven 7 FOR FINANCIAL ADVISOR USE ONLY. NOT FOR PUBLIC DISTRIBUTION.
8 Improving DC Alpha 8 FOR FINANCIAL ADVISOR USE ONLY. NOT FOR PUBLIC DISTRIBUTION.
9 Improving DC Alpha What plan sponsors want: No Cost No Liability No Work Advisors are the key Shift from DB to DC Plans Regulatory impediments 9 FOR FINANCIAL ADVISOR USE ONLY. NOT FOR PUBLIC DISTRIBUTION.
10 Improving DC Alpha Working with Plan Sponsors Motivating plan sponsors: More productive employee base Lower wage base Emotional/ human aspect Plan design Non-DC plans 10 FOR FINANCIAL ADVISOR USE ONLY. NOT FOR PUBLIC DISTRIBUTION.
11 Improving DC Alpha Stewardship v. Fiduciary Misuse and misunderstanding of the term Fiduciary Defining Stewardship 11 FOR FINANCIAL ADVISOR USE ONLY. NOT FOR PUBLIC DISTRIBUTION.
12 Improving DC Alpha Working with Participants Participation Deferral 3%? 10%? Auto increases Match 12 FOR FINANCIAL ADVISOR USE ONLY. NOT FOR PUBLIC DISTRIBUTION.
13 Improving DC Alpha Working with Participants Various methods: Education Advice Guidance Participant segmentation Remote locations and telecommuter 13 FOR FINANCIAL ADVISOR USE ONLY. NOT FOR PUBLIC DISTRIBUTION.
14 Improving DC Alpha Working with Participants Leveraging Providers and third parties Technology Broker Dealers Personal meetings Charging a premium 14 FOR FINANCIAL ADVISOR USE ONLY. NOT FOR PUBLIC DISTRIBUTION.
15 Improving DC Alpha Working with Participants Outside assets Social security Retirement income In-plan Distribution 15 FOR FINANCIAL ADVISOR USE ONLY. NOT FOR PUBLIC DISTRIBUTION.
16 Improving DC Alpha Investments Asset Allocation Funds Target date funds Risk based Glide paths Investment Types Active Passive Index funds ETFS Alternatives LDI 16 FOR FINANCIAL ADVISOR USE ONLY. NOT FOR PUBLIC DISTRIBUTION.
17 Improving DC Alpha Leveraging Behavioral Finance (Befi) Key areas of focus: Participation Deferral Investments (QDIA) Academic input Professors Thaler and Benartzi 17 FOR FINANCIAL ADVISOR USE ONLY. NOT FOR PUBLIC DISTRIBUTION.
18 Improving DC Alpha Befi Audit Befi Audit dealing with: Inertia Loss aversion Myopia 18 FOR FINANCIAL ADVISOR USE ONLY. NOT FOR PUBLIC DISTRIBUTION.
19 Improving DC Alpha Measuring DC Advisor Alpha DC alpha tracker Measurement of DC alpha Process to create a DC alpha tracker report Information reported to measure alpha: Participation rates Deferral and match percentages Asset allocation Account balance Income replacement ratios 19 FOR FINANCIAL ADVISOR USE ONLY. NOT FOR PUBLIC DISTRIBUTION.
20 TRAU Capstone 20 FOR FINANCIAL ADVISOR USE ONLY. NOT FOR PUBLIC DISTRIBUTION.
21 TRAU Capstone Review of TRAU Primer Overview of 6 Modules Purpose of Primer Nuveen Investment Sponsorship 21 FOR FINANCIAL ADVISOR USE ONLY. NOT FOR PUBLIC DISTRIBUTION.
22 TRAU Capstone TRAU C(k)P Program Overview of TRAU Four Study areas 1. Technical Competence 2. Sales and Marketing 3. Managing a Business 4. Optimizing Plan Outcomes Collaboration with UCLA Requirements to Obtain C(k)P Program 22 FOR FINANCIAL ADVISOR USE ONLY. NOT FOR PUBLIC DISTRIBUTION.
23 TRAU Capstone TRAU, fi360 and Primer Integrated Training Level 1 TRAU Primer Sponsored by Nuveen Investments Level 2 AIF/GFS Designation Level 3 TRAU s C(k)P 23 FOR FINANCIAL ADVISOR USE ONLY. NOT FOR PUBLIC DISTRIBUTION.
24 Disclosures This presentation is provided for information and educational purposes only. The statements contained herein are based upon the opinions of Nuveen Investments and The Retirement Advisor University. All opinions and views constitute the judgments as of the date of writing and are subject to change at any time without notice. This information contains no investment recommendations and should not be construed as specific tax, legal, financial planning or investment advice. Certain information was obtained from third-party sources, which we believe to be reliable, but is not guaranteed. FOR FINANCIAL ADVISOR USE ONLY. NOT FOR PUBLIC DISTRIBUTION.
25 The Retirement Advisor University Primer: Module Differentiating Your Practice: Enhancing Participant Outcomes Prepared in conjunction with: Fred Barstein Founder & Executive Director of The Retirement Advisor University (in Collaboration with UCLA Anderson Executive Education) FOR FINANCIAL ADVISOR USE ONLY. NOT FOR PUBLIC DISTRIBUTION.
26 Questions? Please contact: Dan Burger Business Development Director, The Standard Standard Insurance Company
27 Plan sponsors and participants should carefully consider the investment objectives, risks, charges and expenses of the investment options offered under the retirement plan before investing. The prospectuses for the individual mutual funds and each available investment option in the group annuity contain this and other important information. Prospectuses may be obtained by calling Please read the prospectus carefully before investing. Investments are subject to market risk and fluctuate in value. The Standard is the marketing name for StanCorp Financial Group, Inc. and its subsidiaries. StanCorp Equities, Inc., member FINRA, wholesales a group annuity contract issued by Standard Insurance Company and a mutual fund trust platform for retirement plans. Third-party administrative services are provided by Standard Retirement Services, Inc. Investment advisory services are provided by StanCorp Investment Advisers, Inc., a registered investment advisor. StanCorp Equities, Inc., Standard Insurance Company, Standard Retirement Services, Inc. and StanCorp Investment Advisers, Inc. are subsidiaries of StanCorp Financial Group, Inc. and all are Oregon corporations Standard Insurance Company 27 November 13, 2013
Building Your Retirement Plan Advisory Business. 2010 Standard Insurance Company
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