Investment Planning Services

When it comes to 401(k) retirement accounts, we aim to resolve testing issues, lower expenses, and help increase employee contributions.

If you have children, adding a 529 Qualified Tuition plan to your portfolio may be a suitable option to save for private education and/or college. Creating a 529 plan can help your children pursue the school (s) of their dreams and may reduce the need for student loans.

Prior to investing in a 529 Plan investors should consider whether the investor's or designated beneficiary's home state offers any state tax or other state benefits such as financial aid, scholarship funds, and protection from creditors that are only available for investments in such state's qualified tuition program. Withdrawals used for qualified expenses are federally tax free. Tax treatment at the state level may vary. Please consult with your tax advisor before investing.

If you worry about outliving your money, an annuity can be an option to add to your portfolio. Annuities can provide a guaranteed income stream and can be an alternative to CDs.

CDs are FDIC insured to specific limits and offer a fixed rate of return if held to maturity. Annuities are not FDIC insured. Annuities are long-term, tax-deferred investment vehicles designed for retirement purposes. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Withdrawals made prior to age 59 ½ are subject to 10% IRS penalty tax. Surrender charges apply. Guarantees are based on the claims paying ability of the issuing insurance company.

Alternative investments are investments that require the assistance of a financial advisor. Real estate funds can help your portfolio’s diversification and aim to reduce risk from market volatility.

We also offer structured products. Investing involves risk including loss of principal. No strategy including diversification can protect against loss.

Alternative investments may not be suitable for all investors and should be considered as an investment for the risk capital portion of the investor’s portfolio. The strategies employed in the management of alternative investments may accelerate the velocity of potential losses.

Employers may offer group retirement savings plans to invest their employees’ pre-taxed earnings and help them save for their retirement. We work with employers that need customized retirement plans because of their employee status, financial scope, and vesting schedules.

The old saying “don’t put all of your eggs in one basket” helps to explain that mutual funds are important for the diversification of your portfolio. As an independent firm, we have access to a full selection of mutual funds across many carriers. We do not carry proprietary mutual funds.

Investors should consider the investment objectives, risk, charges and expenses of the mutual fund carefully before investing. The prospectuses and, if available, the summary prospectuses contain this and other important information about the mutual fund. You can obtain prospectuses and summary prospectuses from your financial representative. Read carefully before investing.

An Exchange Traded Fund may offer lower fees and higher liquidity than mutual funds which is why some investors find ETFs attractive.

Investors should consider the investment objectives, risks, charges and expenses of the Exchange Traded Fund carefully before investing. The prospectus and, if available, the summary prospectus contain this and other important information about the Exchange Traded Fund. You can obtain a prospectus and summary prospectus from your financial representative. Read carefully before investing.

Tenpath Financial Group is committed to addressing diversity and inclusion both at an individual and corporate level. This is expressed in our Environmental, Social and Corporate Governance (ESG) portfolio’s. The design of these strategies include identifying and investing in companies screened for:

1. Workplace diversity
2. Human rights records and community involvement
3. Working conditions and labor relations
4. Product quality and safety
5. No exploitative products or services
6. Superior accounting practices, high ethics

Examples of companies that could be excluded during portfolio construction are those with exposure to hazardous waste, firearms or war, poor community involvement, poor working conditions or greenhouse gas emissions.

Please reach out to discuss ESG issues which are important to you or your organization. We will design and implement a strategy to manage and potentially minimize tracking error relative to an ESG Benchmark, and seek to outperform across key sustainability issues.