Non-profit leaders are considered fiduciaries to their organization and to the participants in any retirement plan the organization sponsors. It makes sense that a non-profit leader would seek to do business with organizations and individuals that can share that fiduciary responsibility. When Stellar is engaged, we serve in a fiduciary capacity, which means that we have a legal responsibility to always act in your best interest. That cannot be said of many of the firms vying for your business.

Our highest and best use for non-profit entities is to manage portfolios that are related to endowments, investible long-term funds, retirement plans and self funded health benefit plans. As part of our engagement, our non-profit clients have unlimited access to our economic and market research.

Direct Management of Non-Profit Portfolios

We provide direct investment management of stocks, bonds, and alternative investments, customized to meet your, or the investment committees risk/reward objectives, at the custodian of your choosing or our recommendation. Our investment team will apply its depth of economic and market experience to create and manage an investment strategy to best fulfill the desired objectives. We will periodically review the progress of these strategies with you, and recommend adjustments where needed. We have experience acting as a sole manager and as a component of an overall strategy, and can offer a very detailed or very concise review of portfolio analytics and performance as you would desire. For greater detail of how we manage investment portfolios, click here.

Investment Advisory Services for Participant Directed Portfolios (401k)

Stellar’s professionals have provided institutional services for employer-sponsored, self-directed retirement plans since 1987. In the capacity of a discretionary/Section 3(38) investment advisor, Stellar accepts fiduciary responsibility for creating and managing the Plan Sponsor’s investment menu in keeping with the Investment Policy created by and managed for the plan. Stellar selects and regularly reviews the investments offered to plan participants and communicates upcoming menu adjustments to the Plan Sponsor. When ready to implement any change, Stellar will create the required participant communication about the adjustment. Detailed reviews of individual investments and menu offerings are provided on at least an annual basis. For details of how we manage this process,  click here.

Coordinating the recordkeeping, administration, custody, and investments for a 401(k), with a firm’s current business operations can be complicated. Additionally, crafting the right document that drives the structure of the retirement plan from matching and vesting schedules, to Roth, plan loans, and brokerage link accounts is very important to creating the best benefit for your organization. The increasingly complex regulatory environment has added to the responsibilities of being a plan sponsor, and the penalties associated with a misstep as a fiduciary are getting heavier.

We are supportive of Plan Sponsors distributing fiduciary responsibility amongst professional service firms, and will assist our clients in establishing and/or upgrading their retirement plan to get the most support, while driving down both hard and soft costs associated with providing this employee benefit.

Being active in the retirement plan field for years, we have established excellent relationships with many quality service providers.  We are able to review your situation and recommend suitable service providers for all of the complementary services required for a well-run employer sponsored retirement plan, and can make the appropriate introductions.  Quite often we are brought into a client relationship to provide investment services by these very same service providers.

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Portfolios are prudently managed by integrating your specific investment objectives with the prevailing opportunities and risks presented in the investment markets. In our opinion, the resulting portfolios reflect the best method of achieving your investment objectives.