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investment philosophy
Diversified Financial Advisors serves as a co-fiduciary to
retirement plans with respect to plan investments. As such,
we are subject to the guidelines established by ERISA in carrying
out our fiduciary duties. We serve plan sponsors by accepting
certain fiduciary responsibilities that will ensure they they
will meet these fiduciary responsibilities. We make every
effort to ensure that this is done in a transparent manner
emphasizing a regular, thorough, and well-documented due diligence
process. In this way, plan sponsors can maintain a level of
comfort they they are acting in accordance with the Department
of Labor's standards, as spelled out in the department's publication,
"Meeting
Your Fiduciary Responsibilities."
We also have an obligation to each plan
participant, which is summarized as follows:
Our goal is to create an opportunity
for plan participants to make well informed and suitable investment
decisions that will enable them to meet their retirement objectives.
To accomplish the objective stated above,
we believe that it is fundamental to have a well established
investment strategy that is well documented and subject to
ongoing review to ensure a high level of confidence that the
following guidelines will be met:
- Diversification of asset classes
so as to minimize the risk of substantial losses
- Valuation of various investment
categories in a consistent manner to increase the probability
of optimal allocation across alternative investment categories
- Implementation of risk management
controls to reduce the possibility of negative surprises
within the investment groups or the money managers who are
responsible for the investments
- Availability of suitable investment
options for investors with different levels of risk tolerance
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