Institutional Solutions

L5F Institutional provides fee-based investment advice to endowments, foundations, corporate pension and retirement plans, public pensions and Taft-Hartley plans. L5F Institutional’s professional investment management services fully implement the tenets of fiduciary prudence and Modern Portfolio Theory.

L5F Institutional begins by educating investment committees and plan trustees regarding the intrinsic relationship between risk, return, time and diversification. This meaningful education enables committee members and plan sponsors to make informed investment decisions for plan assets that are in keeping with fiduciary prudence, mitigating liability concerns.

L5F Institutional matches institutions with portfolios by carefully measuring risk capacity and risk exposure, providing the ability to earn optimal risk-adjusted returns. L5F Institutional assists clients in the creation, purchase, and rebalancing of portfolios comprised of risk-engineered and globally diversified blends of passively managed exchange traded funds and index funds.

Extensive research shows that active management and fund speculation lead to increased expenses that have shown to negatively impact returns over time, while adding excessive and unrewarded risk. Hundreds of peer-reviewed academic studies and more than 89 years of risk and return data support L5F Institutional’s passive strategy that controls costs and replaces speculation with risk-optimization and global diversification.

Clients of L5F Institutional Benefit from:

  • Risk-Appropriate Investing Strategy implemented by a fiduciary in accordance with the Prudent Investor Rule, protecting stewards from fiduciary liability
  • Clearly Defined Risk Capacity Quantification, measuring key elements critical to risk-appropriate investing
  • Globally Diversified Portfolios that are transparent and designed to manage costs and risk
  • A Prudent Process for Managing Plan Assets that minimizes conflicts of interest
  • Extensive and Ongoing Education on the Science of Investing, fostering investor temperance that has shown to yield higher risk-adjusted returns over time
  • Ongoing Portfolio Management that maintains a consistent and appropriate risk exposure through rebalancing and Risk Capacity review
  • Clear and Timely Reporting, enabling fiduciary stewards to assess performance and portfolio activity since and for various time periods in between

RETIREMENT PLAN/BENEFITS DESIGN & MANAGEMENT

Plan Sponsors: L5F is dedicated to providing a comprehensive retirement plan solution that meets the needs of your organization and its employees. The customized Plan Sponsor services are designed to guide you, alleviate the administrative burden and provide ongoing support, monitoring, governance and communication to help ensure plan success.

Plan Participants: L5F is dedicated to providing easy-to-understand and efficient retirement plan investment solutions that assist employees in securing their long-term financial success. The personalized Plan Participant services are designed to advise and educate employees on the importance of saving for retirement as well as provide intuitive tools and materials to educate and assist them on their road to retirement.

Fiduciary Partner is dedicated to complete plan transparency and an unobscured view of all fees and expenses. Trust is an important relationship component and as your fiduciary partner we are required to act only in the best interest of our clients.