Investments

Every participant has a different investment philosophy. There are buy-and-hold, active, passive, and even do-it-for-me investors. At Risen Son Financial, as an independent advisor, we are not affiliated with any recordkeeper, nor have we built our own recordkeeping system. This allows us to help find the right investments for your plan. We do this by applying our stringent investment scoring process

With open architecture platforms, we’re able to apply our stringent investment scoring process, which we provide in all our Investment Policy Statements.

We review 11 different criteria for each investment then score it against its peers:

1. Inception Date: The investment must have at least a 3-year track history.
2. Manager Tenure: The investment manager must have at least a 2-year track history. (Most senior manager’s tenure)
3. Assets: The investment must have at least 75 million under management. (Total across all share classes for funds/etfs)
4. Composition: The investment’s allocation to its primary asset class should be greater than or equal to 80%. (Not applied to all peer groups)
5. Style: The investment’s current style box should match the peer group. (Not applied to all peer groups)
6. Prospectus Net Exp Ratio: The investment must place in the top 75% of its peer group.
7. Alpha: The investment must place in the top 50% of its peer group.
8. Sharpe: The investment must place in the top 50% of its peer group.
9. 1-Year Return: The investment must place in the top 50% of its peer group.
10. 3-Year Return: The investment must place in the top 50% of its peer group.
11. 5-Year Return: The investment must place in the top 50% of its peer group.

If an investment fails our criteria, we will remove the position and replace it with a more fiduciary sound peer. This process allows us to have a documented plan to show how and why we make our investment decisions. Lastly, we meet with each participant affected by the change and explain our reasoning. This allows us to engage participants on their goals and vision for their retirement. We aim to have both a passive (index) and actively managed fund for each asset class that meets our 11 criteria described above.

Corporations across the nation trust us as their Independent Financial Advisor. Contact Risen Son Financial at (813) 512-2746 for attentive service and information pertaining to your investments.