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Ubiquity Retirement + Savings Introduces CensiblyYours(™) Financial Wellness Tools


Program equips small businesses with low-cost investments and education to maximize retirement savings

Ubiquity Retirement + Savings (Ubiquity), a leading fintech company that pioneered flat-fee small business retirement plans, has launched CensiblyYours(™) Financial Wellness Tools, a two-part financial wellness program for small business owners, and their employees.

In partnership with Kaye Capital Management, CensiblyYours provides a designated 3(38) investment advisor to fulfill plan sponsors’ investment fiduciary responsibility, and offers access to a series of five custom, target risk portfolios. Each portfolio is categorized by risk level and constructed using low-cost mutual funds, index funds and ETFs (when appropriate) from best-in-class investment managers including Charles Schwab, J.P. Morgan, Principal, TIAA, Fidelity, Vanguard and DFA. The portfolio expense ratios range from 4.8 basis points (.048 percent) to 8.1 basis points (.081 percent)*.

The CensiblyYours Financial Wellness Tools are offered for a capped fee of $3 or less per month per participant (not including the portfolio expenses), enabling participants to grow their savings without increasing their investment advisory fees.

“Since the day we opened our doors twenty years ago, Ubiquity has been relentlessly committed to offering low-cost, transparent retirement savings solutions for small businesses,” said Chad Parks, Founder and CEO of Ubiquity Retirement + Savings. “With CensiblyYours Financial Wellness Tools, we created a 3(38) solution to serve the segment of the market that most financial advisors are unable to help efficiently. It is meant to be one size fits most, and not meant to replace traditional financial advisors, who add great value to plans and participants by counseling them toward retirement readiness."

“Many small business owners are hesitant to offer a retirement plan because they do not have the time, resources or knowledge to take on the investment fiduciary liability,” said David Hilton, Head of Retirement Consulting at Kaye Capital Management. “By serving as a 3(38) advisor for Ubiquity’s clients, we are reducing this burden for small businesses and simultaneously providing affordable investment options that are in the best interest of the plan participants.”

In addition to the professional investment selection and monitoring offered by Kaye Capital Management, participants in CensiblyYours Financial Wellness Tools will have access to the financial education platform Edukate. The platform, designed to help employees achieve their financial goals, offers an intuitive and interactive approach to financial education.

“The average saver should not be burdened with managing their financial health entirely on their own,” said Chris Whitlow, CEO and Founder of Edukate. “Plan sponsors on the Ubiquity platform can now better promote financial wellness by engaging participants in their retirement plans through contests, educational content and an interactive leaderboard.”

For more information on CensiblyYours Financial Wellness Tools, please visit myubiquity.com.

About Ubiquity Retirement + Savings

Ubiquity Retirement + Savings has helped savers contribute over $2.25 billion toward their retirements since 1999. As the first flat-fee-for-service small business plan provider in the U.S., Ubiquity delivers peace-of-mind with zero hidden fees in the fine print. The company is headquartered in San Francisco with satellite offices from coast to coast.

*Past performance does not guarantee future results. Kaye Capital Management (“KCM”) is an SEC-registered investment adviser. Registration does not imply a certain level of skill or training. For information about KCM, including fees and services, please refer to KCM’s Form ADV Disclosure Brochure, which is available upon request.

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