The ETF 401(k) Solution

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• 3(38) Fiduciary Services
• Plan Administration
• Custodial Services
• Recordkeeping Services 
• Participant Education
• Level Fees
• Support

7 Actively Managed all ETF Collective Investment Trusts sponsored by Hand Benefits & Trust and managed by Vanguard

Portfolios suited to participant’s needs and risk tolerance - Hand Benefits & Trust acting as Discretionary Trustee for the funds in its Collective Trusts  

• No expensive operational and research costs as found in most managed funds 
• Low expense ratios 
• Low plan sponsor expenses
• Level Fees  

Designed with a focus on meeting the needs of the plan participant, The ETF 401(k) Solution program provides each employee with the opportunity to receive educational investment information from an experienced financial advisor at no additional cost.

An exchange traded fund (ETF) is a basket of securities that trade on an exchange just like a stock does.  ETFs  can contain all types of investments including stocks, commodities, or  bonds; some offer U.S.-only holdings, while others are international. 

The price of an ETF’s shares will  change throughout the trading day as the shares are bought and sold on  the market.  ETF  share prices fluctuate all day as the ETF is bought and sold; this is  different from mutual funds that only trade once a day after the market  closes.  Additionally, ETFs tend to be more cost-effective and offer low expense ratios.

Source:  https://www.investopedia.com/terms/e/etf.asp

• Exchange Traded Funds (ETFs) from iShares and Vanguard. 
• Managed Portfolios from Vanguard. 
• An Investment Management Fiduciary to oversee fund selection and defend its decisions - BPAS acting as 3(38) Fiduciary
• Fee transparency, total disclosure, nothing hidden - DOL Regulation 408(b)(2), effective July 2012