Denali is dedicated to providing a comprehensive retirement plan solution that meets the needs of your organization and its employees. The customized Plan Sponsor services are designed to guide you, alleviate the administrative burden and provide engaging support, monitoring, governance and communication to help ensure plan success.
Denali is dedicated to providing easy-to-understand and efficient retirement plan investment solutions that assist employees in selecting their long-term financial success. The personalized Plan Participant services are designed to advise and educate employees on the importance of saving for retirement as well as provide intuitive tools and materials to educate and assist them on their road to retirement.
Denali is dedicated to complete plan transparency and an unobscured view of all fees and expenses. Trust is an important relationship component and as your fiduciary partner we are required to act only in the best interest of our clients.
Our Investment Process
We manage market risk for high-net-worth individuals by implementing strategic asset allocation models and techniques. The asset allocation is responsible for more than 90% of variations in portfolio performance. Our process is geared around selecting the appropriate strategy and providing you with peace of mind. Our investment process includes a four-step approach.
We listen to understand your current investment portfolio, financial objectives, time horizons and risk tolerance, as well as, any other unique circumstances.
We will recommend an appropriate strategy to match your objectives. Each of our asset allocation models is established using different weightings of equity, fixed income and alternative investments to adjust the overall level of risk.
We will prepare and submit the paperwork necessary to open an account, and will monitor the transfer of all existing assets. For custodial services we work with TD Ameritrade Institutional. It is important to note that Denali does not maintain custody of securities or funds with the exception of its ability to withdraw Advisory Fees from a clients account.
Goals and Objectives
We regularly review the individual assets within each portfolio for the client and provide performance reports to ensure your financial objectives are being met. To avoid short term capital gains we typically only perform one rebalance per year.
What are your current exposures?
Key Question 1: Have you examined your plan fees to ensure they are reasonable?
Key Question 2: Do you have a Qualified Default Investment Alternative (QDIA) designated in your plan?
Key Question 3: Do you have an evaluation process to help ensure that the offered investments meet their benchmarks as described in the Investment Policy Statement?
Key Question 4: Does your current broker or advisor:
- Acknowledge in writing that they are a plan fiduciary?
- Provide a prudent fiduciary process for monitoring investment options?
- Provide you with investment advice and put it in writing?
As a fiduciary, it is important for the plan sponsor to manage risk by implementing and following a process. The process should involve an ongoing evaluation of each investment option in accordance with your Investment Policy Statement, which clearly states the performance standards and the methodology for replacing underperforming funds.
With growing litigation in this area, it is a good practice to have a clearly defined process behind choosing funds and being able to demonstrate the basis behind those decisions.
After receiving the following information regarding your retirement plan we will conduct a complimentary review.
- Current Investment Lineup (with Ticker Symbols)
- Listing of Plan Assets (by Fund)
- Number of Participants in Plan
- Annual Cash Flows into the Plan
- Plan Sponsor Fee Disclosure (Provided by Plan Provider)
- Average Salary
- Average Plan Deferral Percentage
- Average Age of Participants
Our 5 Step Process
Investing is a tough game. Do you have the right coach?
A winning retirement plan structured by Carl Valimont, President of Denali Wealth Management
With the 401(k) environment ever-changing—DOL regulations; getting employees to save, so they can retire on time; and increased litigation against plan sponsors—wouldn’t it be reassuring to confirm that your 401(k) plan is what you want it to be? The purpose of this book is to share valuable strategies regarding your 401(k) plan process. Amazingly, the similarities between coaching a sport and advising 401(k) plan sponsors to win more often are striking. The results that flow from implementing a successful process are powerful. Sometimes it’s about the scoreboard, but most of the time, it’s about where the puck is and who has it.
Request a Complimentary Plan Review
A Denali 401(k) offers a fully transparent suite of services for a reasonable fee.
How does a Denali 401(k) stack up for your business?
Let us show you a comprehensive preliminary fee proposal based on just a few simple questions.
Modern finance is based primarily on scientific reasoning guided by theory, not subjectivity and speculation.
– John “Mac” McQuoan