Participant Level Services

Bragg Financial Advisors can also play a significant role with Plan Participants. The success of a plan is most often measured by participant satisfaction. Numerous studies have shown that participants are more satisfied when they are better educated about how the Plan works and benefits them. Bragg Financial provides the following services for Plan Participants:

• Group Investment Education Meetings Bragg Financial Advisors spends a great deal of time in group sessions to educate participants about stock, bonds and mutual funds and to help them understand the risk/reward relationship.
• Risk Tolerance Quiz At the conclusion of the investment education program, participants are given a Risk Tolerance Quiz that assists them in better understanding their personal comfort level with risk. The Risk Tolerance Quiz is signed, dated and collected and kept as part of the enrollment process.
• Asset Allocation Models Participants are given Asset Allocation Models that correspond to their Risk Tolerance Quiz. These models are based on the tenets of Modern Portfolio Theory, a body of academic research that advocates diversifying across multiple asset classes. Doing so has been proven to reduce volatility and have a smoothing affect on returns.
• Individual Consultation At the conclusion of the group education meetings, each participant will have an individual enrollment consultation. Although a very time-consuming process on our part, it has been proven to be of great value in helping participants make good decisions and stick with them. Pre-retirement counseling is available as well to participants as they reach retirement age.