Fee Benchmarking and Transparency

According to ERISA and the DOL, "paying only reasonable plan expenses" is a fiduciary responsibility of the plan sponsor.  Plan sponsors should periodically monitor the plan's service providers and the fees being charged. 

Willow Ridge Capital Advisors' Fees

Willow Ridge Capital Advisors is a fee-only financial advisory firm.  We do not sell securities or financial products, and we do not receive commissions or share in any revenues from the investments we recommend to clients.  In legal terms, Willow Ridge Capital Advisors is a fiduciary to you, and as such, you can trust that our advice and recommendations are unbiased and completely objective.

Fee Comparison and Cross Checking

WRCA will help you fulfill your fiduciary responsibilities by analyzing all the expenses and fees that you and your plan participants are being charged by your current plan providers and the investments in the plan.  We will then compare those fees and expenses to the average being incurred in the industry today.

Because we take fund fees and fund expenses seriously, the mutual funds we recommend have some of the lowest fees and expenses in the industry.  We are confident that in most cases we will be able to significantly lower the fees and expenses you and your plan participants incur.

Total Cost of Ownership

Excessive expenses, fees, and sales charges can severely diminish a plan participant's account value.  But, the total cost owning a fund also includes expense associated with portfolio turnover.  Portfolio turnover refers to how often a fund manager replaces the assets in a fund in a given year.  The higher the turnover, the more expensive that fund is to own.  All of these expense components are taken into consideration to arrive at a total cost of ownership.

We are careful about making sure our clients do not pay high or excessive fees for the mutual funds they invest in.  We realize that small changes in fund expenses can make a big difference in your retirement account’s performance over time.  All of the funds we work with have no loads, low turnover, and only small expense ratios.  This means that our clients retain more of their hard earned cash, which is put to work building wealth in their portfolios.