At FPLCM, we are deeply committed to transparency, objectivity, and acting in the best interest of plan participants. To minimize potential conflicts of interest, we aim to avoid investments that pay commissions or engage in revenue-sharing arrangements. Our fiduciary responsibility guides every decision we make, ensuring that our advice is unbiased and fully aligned with your plan’s goals.
Our investment strategy centers on building well-diversified, low-cost investment menus that span a broad range of major asset classes, including equities, fixed income, and select alternative investments. We take a tailored approach—designing each lineup to reflect the specific objectives, risk profiles, and time horizons of your participants.
By emphasizing cost-efficiency, diversification, and risk-adjusted performance, our goal is to help participants achieve long-term retirement readiness while supporting plan sponsors in meeting their fiduciary responsibilities.
We utilize fiduciary monitoring software to evaluate and oversee the investment funds we select. Each fund is assigned a Fiduciary Score, which is based on nine distinct criteria. These criteria span a comprehensive set of quantitative data points to ensure that each fund meets or exceeds a minimum fiduciary standard of care. The nine evaluation criteria include:
Institutional Class Shares
Dimensional and Avantis’s investment solutions are designed to help investors achieve their long-term goals. They focus on adding value over the benchmark indices with an investment style that is active and systematic, but different than conventional active management. Their investment approach is to structure their strategies around sources of higher expected returns—size, value, and profitability—that have been shown through rigorous theoretical and empirical research to be pervasive across markets, persistent over time, and cost-effective to capture in a live portfolio. Through a systematic and transparent investment process, Dimensional and Avantis pursue better outcomes by using information in market prices and company fundamentals to identify securities with higher expected returns while skillfully managing the tradeoffs between premiums and costs.
They also share many of the benefits of indexing—low cost, low turnover, high diversification, and transparency—without the constraints and price impacts around rebalancing events. By taking the best aspects of indexing and active management and merging them with robust, innovative implementation, they aim to beat benchmarks and the funds and investment vehicles that track them.
