Self Directed Brokerage Account Advice

YOUR EMPLOYEES DESERVE A BETTER 401(K) PLAN

At Noble Street we believe that the most effective strategy for managing portfolio risk is through establishing a Long Term, Well Diversified Portfolio of Strategically Selected and Allocated Equities, Low Cost Mutual Funds and ETF’s. We also believe that passively managed Portfolios are more efficient and less futile than actively/tactically managed portfolios. We take a simple yet very effective approach to guiding business owners and investors through the complexities of investment management.

SMALL BUSINESSES (100 or less employees)

Optimize or Implement a 401k or 403b Retirement Savings Plan

For businesses who have already established a Defined Contribution Plan for their employees, we take our hat off to you. At Noble Street, we know how time-consuming it is to get educated on the benefits of starting a 401k or 403b plan and the fact that you did so speaks volumes about how you feel toward your company and employees.

Unfortunately, may plans come with excess fees and expenses and an advisor who rarely shows up to provide plan participants with assistance or education. So, if you are a business owner considering starting a Defined Contribution Plan for your employees, you've found the right firm to help you. We offer a no cost to you and no-obligation initial conversation to help you understand the benefits of starting a 401k or 403b retirement savings plan and show you how easy it is to do so when you work with Noble Street.

Complimentary Plan Analysis

If you are a Plan Sponsor who would like to check the wellness of your current plan we offer a no-cost, no-obligation Plan Analysis in which we will provide you with the following;

~ Analysis of Fees and Expenses

~ Review of Investment Options and Performance

~ Check for Gaps or Deficiencies in Plan Documents

As a Plan Sponsor you benefit from receiving a Plan Analysis in two ways;

1. You are provided an independent objective review that you can rely upon and keep for any future audit to show you've done your due diligence as the plan sponsor.

2. If gaps or deficiencies are identified, you are made aware of these risks so you can take corrective action.

Noble Street reduces the Fiduciary Risk Exposure for Plan Sponsors by acting as a 3(21) Investment Advisor Fiduciary and 3(38) Investment Management Fiduciary as set forth by ERISA.

Through our sister company, Noble Street Financial, LLC., which offers Group Life and Disability Insurance, Annuities for Deferred Compensation Plans, Life Insurance with long-term care benefits, Long-Term Care Insurance and Employee Benefits we are able to make life easier for your Retirement and Employee Benefits Administrator by being a single point of service.

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Retirement Planning for Employees

Noble Street Representatives are Teachers at heart and we enjoy educating clients on investing and planning. If you have a Defined Contribution Plan established and would like to learn the details of the plan and the options available so your plan participants can take full advantage of what your plan has to offer an Advisor will come to your place of business and do just that.

If you are not quite ready to implement a Defined Contribution Plan but would like to help your employees with saving and planning for retirement, Noble Street has a program to help you accomplish your goal. We meet with each employee individually and help them establish retirement savings accounts, set up automated investments and establish goals and a basic financial plan. This can be done on a one time or ongoing basis.

Contact us today to schedule a no-cost, no-obligation initial conversation to see how we can help you, better help your employees.

DEFINED CONTRIBUTION PLAN ASSET MANAGEMENT FEE

Value of Account Assets Annual Fee Rate

$10,000- $10,000,000 .25% to .35%

Amounts Above $10,000,001 Negotiable

*Fees for Assets Under Management are payable quarterly and billed in arrears and prorated for accounts established or terminated at times other than the start of the quarter.

**Noble Street and its Advisors are 3(21) Investment Advisor Fiduciaries and 3(38) Investment Management Fiduciaries as set forth by ERISA when helping participants in qualified retirement plans that are funded through payroll deduction and self-directed by plan participants (401K, 403B, 457 DEFERRED COMP, SIMPLE IRA, SEP) and also for non payroll tax deferred retirement accounts. Noble Street Advisors provide participants with quarterly investment recommendations based on the options available inside their plan or if allowed by plan options available through Noble Street, that they can use to manage their own retirement account. Recommendations are made to deploy new funds or if we believe a participant’s investment allocation should change in their qualified retirement account based on a change in their risk tolerance, time horizon or investment goals and objectives.

Before investing, consider your investment objectives, risks, fees and expenses, including Noble Streets advisory fees. Past performance does not guarantee future results. This advisory service is not an offer, solicitation of an offer, or advice to buy or sell securities in jurisdictions where Noble Street is not registered. Ryan C. Davis is an Investment Advisor Representatives offering Investment Advisory Services through Noble Street Wealth Management, LLC., a Registered Investment Advisor, member FINRA. Noble Street is a 3(21) Investment Fiduciary as set forth by ERISA. Noble Street does not have discretionary authority to act on behalf of plan participants, nor does Noble Street have access, direct or indirect, to Plan participant 401k accounts. The account holder can but is not obligation to provide the Investment Adviser Representative with full or limited trading authorization. If no trading authorization is granted by the account holder to the Investment Adviser Representative, the plan participants are responsible for implementing the recommendations provided by Noble Street.

Noble Street Wealth Management and Noble Street are marketing names for The RSD Group , LLC., a State Registered Investment Adviser, member FINRA. Fiduciary Fee-only Financial Planning and Consulting and Investment Management services are offered through Noble Street. Life and Disability Insurance, Annuities, Life Insurance with long-term care benefits, Long-Term Care Insurance and Employee Benefits are offered through Noble Street Financial, LLC., a licensed Life, Health and Accident Insurance Agency and affiliate of Noble Street.

In the course of assisting clients with constructing a comprehensive financial plan, Noble Street may recommend insurance products to a client, offered through Noble Street Financial, LLC. Clients are under no obligation to use Noble Street Financials' services and have the option to work with the insurance agent/agency of their choice. Products and services referenced are offered and sold only by appropriately appointed and licensed entities and financial professionals. Not all products and services are available in all states.

The use of the term "Registered Investment Adviser" and description of Noble Street and/or our associates as "registered" does not imply a certain level of skill or training.

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