Our Approach
Our suite of services and products allows us to customize a strategy that meets your needs and wishes regardless of your stage of life or the complexity of your individual circumstances - with confidentiality, integrity and objectivity.
Our Strategies for Retirement Plan Sponsors
We work with you to find creative strategies to close the gap. Based on your needs we can redesign the retirement plan, investment offering, risk management process, and education process. If needed, we facilitate the process to find and transfer your plan to a new service provider.
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Your Priorities
- To gain a greater understanding of your Fiduciary responsibilities.
- Manage and monitor your 401(k) Plan investment options.
- To develop and support an employee education program to help your employees retire successfully.
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Our Focus
- Help protect You as a Plan Fiduciary and Support Your Business Goals
- Enhance Your Plan’s Investment Options beginning with a well-crafted Investment Policy Statement (IPS)
- Improve Employees’ Retirement Readiness through Education and Personalized Planning
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Corporate / Non-profit
Retirement Plans
- 401 (k) Plan Design
- Employee and Executive Benefits Review
- Deferred Compensation
- Securities-backed lending
-
Executive
Compensation / Stock Planning
- 10b5-1 Planning & Execution
- Rule 144 Trading
- Exchange Fund Access
- Diversification Strategies
- Risk Management
-
Investment Products
- Annuities
- Certificates of Deposit
- Commodities
- Equities / Stocks
- Exchange-Traded Funds (ETFs)
- Exchange Traded-Products (ETPs)
- Fixed-Income / Bonds
- Futures
- Money Market Funds
- Options
- Unit Investment Trusts
-
Alternative Investments
- Charitable Gift Funds
- Exchange Funds
- Hedge Funds
- Managed Futures
- Offshore Investments
- Private Equity
- REITs
Our Approach in Action
Case Study 1
The Client
National commercial security solutions and managed services company; 450+ employees
A lack of engagement by previous advisor left employees without a strategy to meet their retirement goals, while large cash balances indicated a lack of financial education by the previous advisory group. Inadequate and expensive investment options were available and did not include a Roth 401(k) offering. Some fiduciary concerns were: No Investment Policy Statement (IPS), formal Investment Committee or annual review. On top of all this, the current record-keeping platform was administratively burdensome and required many manual processes.
Case Study 2
The Client
Growing government IT contractor with more than 40 employees
In this competitive space, the client needed to be able to attract and retain top talent by providing a “best-in-class” benefits package. Anticipated growth required the support of a scalable plan and the existing platform needed to be upgraded to become less reliant on manual processes and outdated technology.
Our Services for Affluent Individuals & Families
-
Wealth
Management
- Focus on After-Tax Investment Returns
- Tax Sensitive Investing
- Innovative Growth Strategies
-
Education
Planning
- 529 Plans
- Education Savings Plans
-
Investment Planning
- Retirement
- Estate
- Education
- Charitable Giving
- Tax Mitigation
- Insurance Coverage Analysis
- Asset and Liability Review
-
Estate
Planning
- Insurance
- Life
- Disability
- Long-term Care
- Trust Services
- Charitable Giving
- Insurance
-
Access to
lending products and services through Wells
Fargo affiliates
- Securities-based financing
- Residential mortgages
- Home equity financing
- Business financing
- Credit cards
-
Retirement Planning
- Employee Retirement Plans (e.g. 401(k), 403(b))
- Individual Retirement Accounts (IRAs)
- Income Replacement Strategies
- Transition Planning
-
Investment Products
- Annuities
- Certificates of Deposit
- Commodities
- Equities / Stocks
- Exchange-Traded Funds (ETFs)
- Exchange Traded-Products (ETPs)
- Fixed-Income / Bonds
- Futures
- Money Market Funds
- Options
- Unit Investment Trusts
-
Alternative Investments
- Charitable Gift Funds
- Exchange Funds
- Hedge Funds
- Managed Futures
- Offshore Investments
- Private Equity
- REITs
Our Services for Executives
-
Wealth
Management
- Focus on After-Tax Investment Returns
- Tax Sensitive Investing
- Innovative Growth Strategies
-
Executive Stock
Planning / Compensation
- 10b5-1 Planning & Execution
- Rule 144 Trading
- Exchange Fund Access
- Diversification Strategies
- Risk Management
-
Education
Planning
- 529 Plans
- Education Savings Plans
-
Investment Planning
- Retirement
- Estate
- Education
- Charitable Giving
- Tax Mitigation
- Executive Stock Planning / Compensation
- Insurance Coverage Analysis
- Asset and Liability Review
-
EstatePlanning
- Asset and Liability Review
- Insurance
- Life
- Disability
- Long-term Care
- Trust Services
- Charitable Giving
-
Access to
lending products and services through Wells
Fargo affiliates
- Securities-based financing
- Residential mortgages
- Home equity financing
- Business financing
- Credit cards
-
Retirement Planning
- Employee Retirement Plans (e.g. 401(k), 403(b))
- Individual Retirement Accounts (IRAs)
- Income Replacement Strategies
- Transition Planning
-
Investment Products
- Annuities
- Certificates of Deposit
- Commodities
- Equities / Stocks
- Exchange-Traded Funds (ETFs)
- Exchange Traded-Products (ETPs)
- Fixed-Income / Bonds
- Futures
- Money Market Funds
- Options
- Unit Investment Trusts
-
Alternative Investments
- Charitable Gift Funds
- Exchange Funds
- Hedge Funds
- Managed Futures
- Offshore Investments
- Private Equity
- REITs
Our Approach in Action
Case Study: Corporate Executive
The Client
Fortune 500 Executive who is nearing retirement age and planning to leave the company within 5 years
After a long career as a corporate executive, our client had accumulated a large amount of company stock that she had received as part of her annual compensation package. These restricted stock (RSUs) and stock grants now comprised a large percentage of her overall wealth. As she began contemplating her lifestyle in retirement, she became concerned about the lack of diversification in her investment portfolio and the large tax liability due to the low cost basis of the stock.
Our Services for Retirees
-
Wealth
Management
- Focus on After-Tax Investment Returns
- Tax Sensitive Investing
- Innovative Growth Strategies
-
Education
Planning
- 529 Plans
- Education Savings Plans
-
Investment Planning
- Retirement
- Estate
- Education
- Charitable Giving
- Tax Mitigation
- Executive Stock Planning / Compensation
- Insurance Coverage Analysis
- Asset and Liability Review
-
EstatePlanning
- Insurance
- Life
- Disability
- Long-term Care
- Trust Services
- Charitable Giving
- Insurance
-
Retirement Planning
- Employee Retirement Plans (e.g. 401(k), 403(b))
- Individual Retirement Accounts (IRAs)
- Income Replacement Strategies
- Transition Planning
-
Investment Products
- Annuities
- Certificates of Deposit
- Commodities
- Equities / Stocks
- Exchange-Traded Funds (ETFs)
- Exchange Traded-Products (ETPs)
- Fixed-Income / Bonds
- Futures
- Money Market Funds
- Money Market Funds
- Unit Investment Trusts
-
Alternative Investments
- Charitable Gift Funds
- Exchange Funds
- Hedge Funds
- Managed Futures
- Offshore Investments
- Private Equity
- REITs
Our Services for Business Owners
-
Wealth
Management
- Focus on After-Tax Investment Returns
- Tax Sensitive Investing
- Innovative Growth Strategies
-
Corporate &
Non-profit Retirement Plans
- 401(k) /403(b) / 457 Plan Design
- Employee and Executive Benefits Optimization
- Creative Deferred Compensation Solutions
- Fiduciary Training & Education
- Employee Education & Engagement
- Investment Policy Statements
- Securities-backed lending
-
Investment Planning
- Retirement
- Estate
- Education
- Charitable Giving
- Tax Mitigation
- Executive Stock Planning / Compensation
- Insurance Coverage Analysis
- Asset and Liability Review
-
EstatePlanning
- Insurance
- Life
- Disability
- Long-term Care
- Trust Services
- Charitable Giving
- Insurance
-
Access to
lending products and services through Wells
Fargo affiliates
- Securities-based financing
- Residential mortgages
- Home equity financing
- Business financing
- Credit cards
-
Retirement Planning
- Employee Retirement Plans (e.g. 401(k), 403(b))
- Individual Retirement Accounts (IRAs)
- Income Replacement Strategies
- Transition Planning
-
Investment Products
- Annuities
- Certificates of Deposit
- Commodities
- Equities / Stocks
- Exchange-Traded Funds (ETFs)
- Exchange Traded-Products (ETPs)
- Fixed-Income / Bonds
- Futures
- Money Market Funds
- Options
- Unit Investment Trusts
-
Alternative Investments
- Charitable Gift Funds
- Exchange Funds
- Hedge Funds
- Managed Futures
- Offshore Investments
- Private Equity
- REITs
Why Seventy2 Capital
Unbiased Research
Independent Private Client Team
Autonomy & Transparency
Technology & Trading Platform
Responsible Investing
What Responsible Investing Offers
At Seventy2 Capital, we believe in investing responsibly and for positive social impact. We also believe that considering the People, Places and Planet in the investment decision making process doesn’t have to mean sacrificing returns. By applying a responsible (e.g. ESG) framework across a client’s portfolio, our investment team supports them in seeking favorable returns while creating a portfolio that aligns with their values.
What Responsible Investing Offers
Value Creation
Investing with an impact lens, i.e. considering environmental, social and governance (ESG) factors, enables investors to spot companies with a superior capacity for long-term value creation.
Risk Mitigation
There is growing evidence of a correlation between high ESG scores and risk mitigation. A recent MSCI study found strong evidence that companies with strong ESG profiles are better at managing both investment risks and opportunities.
Values Alignment
With the growing awareness of climate change, clean energy, and the benefits of social inclusion, workplace fairness and community development, more investors are seeking the peace of mind associated with having a values-aligned investment portfolio.
Sustainable investing focuses on companies that demonstrate adherence to environmental, social and corporate governance principles, among other values. There is no assurance that social impact investing can be an effective strategy under all market conditions. Different investment styles tend to shift in and out of favor. In addition, a strategy’s social policy could cause it to forgo opportunities to gain exposure to certain industries, companies, sectors or regions of the economy which could cause it to underperform similar portfolios that do not have a social policy.