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Folio(k)™: A New Revolution in the 401(k) Marketplace

Folio(k) is revolutionary. An effective, transparent, low-cost retirement plan solution, Folio(k) enables advisors and retirement plan specialists to offer a turn-key, professionally advised retirement solution to their business clients.

The weaknesses in typical 401(k) plans are increasingly apparent. Investors may face limited or poor investment offerings and do not possess enough knowledge both to construct well-diversified, risk-appropriate portfolios for themselves, or update or rebalance their investments as needed.

The Folio(k) Solution

With Folio(k), you and your sponsor client easily create or select and manage the core plan investments. We’ve developed Folio(k) using our Target Date Folios—over 20 pre-designed ETF portfolios with three different risk levels that are optimized for retirement investing. Each Target Date Folio is flexible and can be customized as desired. Advisors and sponsors can also create their own Folios to take their place in the plan offerings. We believe our Target Date Folios reflect a far broader level of diversification and are more cost-effective than traditional target date funds. They are reviewed quarterly and updated if conditions warrant. Read more about Target Date Folios.

We have options where you can specifically tailor a plan’s investment lineup by incorporating any of our nearly 150 pre-assembled Ready-to-Go Folios or customized models or allocations built by you or a model manager you might utilize.

What Makes Folio(k) Better?

Sponsors are looking for a low cost, simple, 401(k) plan with transparent pricing. Folio(k) delivers:

Folio(k) is truly a revolution over the traditional 401(k) plan. It’s designed to meet the cost-conscious expectations of today’s Plan Sponsors and participants by offering a better, easier, more effective retirement plan solution. Folio(k) provides a packaged 401(k) product and low-cost infrastructure which will support a competitive, innovative offering for your business clients.

1. Assumes Target Date Folios and the included ETFs are the exclusive investment choices for the plan. The disclosed expense of approximately 95 bps includes those current ETF expense ratios (so there is no extra charge to the plan for these amounts). Folio Institutional has no control over ETF expense charges.

2. Folio Institutional and Alliance Benefit Group Carolinas (“ABG Carolinas”) do not offer investment advice and make no representation, either explicit or implied, regarding the suitability of specific investments, models, or group of model investments, including specifically the Target Date Folios, for individual investors or individual retirement plans. ABG Carolinas and Folio Institutional are not fiduciaries and the Folios noted are mentioned solely as examples of low cost, diversified investments you can choose to use. Other investments are available on the Folio Institutional custodial platform. Retirement Plan Sponsors and their advisors should work together to review and choose the investments they find most appropriate and monitor them on an ongoing basis.

3. For over 20 years, ABG Carolinas has been a leading retirement plan administration and recordkeeping firm specializing in the creative design of compliant qualified retirement plans. ABG Carolinas offers retirement plan consulting and comprehensive retirement plan solutions for all types of qualified retirement plans. ABG Carolinas is not affiliated with any product or fund and does not sell any products or investments.