Model or Custom Plan

A choice of professionally built and customizable 401(k) ETF solutions

The WisdomTree 401(k) platform offers the flexibility to select from two plan options to meet your clients‘ investment objectives:

  • Model Plan – Choose among six pre–built, professionally designed ETF portfolios that target a full range of client risk tolerance levels and retirement dates.
  • Custom Plan – If you can, and want to, assume fiduciary responsibility for a client the Custom Plan allows you to construct your own customized portfolio of low–cost ETFs.
Which plan is right for you?
  Model Plan Custom Plan
Plan Fiduciary and Investment Advisor CLS Investment Firm, LLC (CLS) - CLS has partnered with more than 2,500 financial advisors to provide asset allocation services to clients. Learn more. You act as investment advisor and plan fiduciary.
Asset Allocation Six professionally designed and periodically rebalanced ETF portfolios based on risk tolerance or target retirement dates. You can use CLS or implement your own asset allocation.
ETFs Eleven WisdomTree ETFs and several Vanguard and iShares ETFs are selected and allocated by CLS in the model plan portfolios. You can use the same menu of ETFs as CLS to implement your own asset allocation.
Outside, no-load mutual funds A pre-selected menu of 10-12 funds can be offered as an additional investment option for participants. Create your own fund menu from any no-load fund family.
Third Party Administrator (TPA) Professional Capital Services (PCS) or your choice. Your choice.

Model Plan – Key Features

  • A low-cost wrap–fee structure that includes participant record–keeping, asset allocation, participant education and custody and trading services. Fees are based on asset size, and range from 60–80 bps.*
  • A select menu of no–load or load–waived mutual funds and individual ETFs to complement the ETF model portfolio.
  • No trade commissions or fees for ETF transactions.
  • Asset allocation services, investment advisory services and ERISA fiduciary services to support the plan.
  • The flexibility to use either Professional Capital Services (PCS), the program’s TPA or the Sponsor’s own TPA.
  • The ability to set your own solicitation fee to reflect the level of services you perform.

* Total maximum fee range if you choose to offer the conservative ETF model portfolio with no mutual fund options. Not inclusive of any advisor fees.

Custom Plan – Key Features

The Custom Plan includes all of the same features of the Model Plan, with the following added features:

  • A full menu of WisdomTree ETFs, available for inclusion in your custom portfolio
  • An open menu of institutionally priced, no–load or load–waived mutual funds.
  • A self–directed brokerage account option (if elected by the sponsor).
  • Plan sponsor and participant materials can be branded as your own.

Investors should carefully consider the investment objectives, risks, charges and expenses of the Funds before investing. To obtain a prospectus containing this and other important information, please call 1-866-909-WISE (9473) or click here to view or download a prospectus online. Read the prospectus carefully before you invest. There are risks involved with investing including the possible loss of principal. Past performance does not guarantee future results.

There are risks associated with investing including possible loss of principal. In addition to the normal risks of investing, foreign investing involves special risks, such as risk of loss from currency fluctuation or political or economic uncertainty. Investments in real estate involve additional special risks, such as credit risk, interest rate fluctuations and the effect of varied economic conditions. Funds focusing on a single country, sector and/or smaller companies generally experience greater price volatility.

For investment professional and institutional use only