Coauthored by I-Pension President, Phil Fragasso, Your Nest Egg Game Plan provides an easy-to-implement framework to design a lifetime investment strategy. Amazon.com

The I-Pension Difference

As registered investment advisors, we are held to a fiduciary standard -- meaning that the client's interests must always come first. We are a fee-based advisor and do not receive commissions or revenue-sharing from any mutual fund company or insurer.

• For Individual Investors: We are one of the very few RIA firms with no investment minimum. We focus on placing our clients' assets in low-cost exchange traded funds and index funds as well as individual securities. And rather than fixating on return, we focus on risk management and utilize a variety of diversification strategies, as well as covered-call options, to achieve optimum returns at the appropriate risk level.
• For Plan Participants: Whereas most of our participant-advice competitors focus on web-based tools, I-Pension focuses on personal relationships. We do not provide cookie-cutter guidance or an anonymous call center. Instead, we provide a one-on-one relationship with a dedicated investment advisor who understands the client's total financial situation.
• For 401(k) Plan Sponsors: Most 401(k) plans are overly expensive and very poorly diversified. In addition, plan participants receive minimal on-site education and guidance. I-Pension takes the same approach to advising 401(k) plans as we do to the brokerage side of our business -- we focus on diversification and low-cost.