Ridgecrest Capital LLC
401(k) Investment Advisory
 
      Ridgecrest Capital LLC will partner with you, the retirement plan participant, to help you understand the retirement plan options of your employer’s existing retirement plan, to provide a disciplined approach to help manage market risk, and help you determine your specific risk tolerance.
     Every employer sponsored retirement plan limits the choices participant’s can select from. Some plans limit the number of changes a participant can make in a given year and some do not provide multiple investment choices for each asset class. To fully understand your 401(k) plan, we require that you provide us with the Summary Plan Description, Investment Options and their requisite ticker symbols (if no symbol exists, please provide the symbol of the security that most closely correlates with that investment option), and sign a letter of authorization that we may contact the plan sponsor as your advisor to obtain information on plan investment options, and other information that may help us to provide the best advice we possibly can (we will NOT have the discretion to authorize any investment changes or transactions). All information gathered is confidential and will not be disclosed without your previous written consent.
     Our initial report will include a listing of the investment options in your 401(k) plan, your risk tolerance score, a recommended asset allocation (general framework), specific investment recommendations based upon our assessment of the current level of market risk and investment options, short summary of any limitations your plan may impose on trading, etc., and a short summary of our rationale. The fee for the initial analysis is $400.
     We will perform additional analyses to determine if investment changes are recommended on a quarterly / monthly / as requested basis. Such additional analysis will determine which plan investments have superior relative strength characteristics compared to the S&P 500 index, intermediate term momentum, and a ranking of the investment options compared with each other. This analysis will help determine if an investment change is warranted even if the overall asset allocation remains the same. It can also help determine which securities to buy or sell if the market signals moving from wealth accumulation to wealth preservation or vice versa. This report will be delivered via email.  The fee for each subsequent analysis is $250.
     We will monitor the markets daily and determine if it is better to be in wealth accumulation or in wealth preservation mode. If a change is warranted, we will send you an email to inform you of any recommended changes to your existing investment allocations. Such changes will be based upon the direction of market change and our latest periodic analysis of your plan investment options. There is no additional charge for this service.
      If at any time material changes to your circumstances occur, please let us know as soon as possible so we can discuss if your investment plan should be updated.
     Although our approach for managing risk and determining which investments are performing better than others is systematic and based upon specific models (unemotional), we will not be correct 100% of the time.  We recognize this as fact and that markets will act irrationally at times and we do not pretend to know what the markets will do in the future.
     An annual meeting to review the decisions made during the year is also included without an additional fee. It is our commitment to you to provide a systematic, disciplined strategy to help you manage market risk in your 401(k) retirement plan. 
 
 
All Investing involves risk including the potential loss of principal. No investment strategy such as asset allocation can guarantee a profit or protect against loss in periods of declining values. Past performance is no guarantee of future results. Please note that individual situations can vary.  Therefore, the information presented here should only be relied upon when coordinated with individual professional advice.
 
Indexes cannot be invested in directly, are unmanaged and do not incur management fees, costs and expenses.