Smart Retirement Solutions for Advisors

Aspire is uniquely positioned to work with advisors whether in a fee-for-service or commission arrangement. We enable advisors to deliver smart retirement solutions to their clients with no compromises, conflicts or proprietary requirements—supporting all plan types regardless of plan size or average account balance.

Conflict-Free Open Architecture

Aspire’s open-architecture proprietary platform—InvestLink—links to over 25,000 investment options including ETFs, collective trusts, stable value funds and any share class of mutual funds. We work with five different custodians allowing us to offer truly unlimited choice in investments for Advisors retirement options.This means no compromises for you or your client when building the very best investment offering for their plan. InvestLink is a conflict-free solution because:

• Aspire does not have proprietary investments

• Aspire does not require the use of any particular investment option

• Our pricing is independent of the investments used

This open investment platform is available to all plan types [401(k), 403(b), 457, Defined Benefit, SEP, SIMPLE, IRA and MP] and all plan sizes.

Cost-Effective Transparent Pricing

With participant and plan costs in mind, Aspire offers extremely competitive pricing. Our cost structure has no hidden fees and charges the same low fee for each participant. 

For ERISA plans, Aspire offers flat-dollar pricing. The flat-dollar fee model allows participants to have confidence they are getting the most from their retirement plan savings. Login to the InvestDesign Center to try our Flat-Fee Calculator. 

For non-ERISA plans, Aspire offers a competitive pricing structure. With our program there are no surrender charges (as with variable annuities), as well as a choice of share classes and omnibus account purchasing power to minimize expense ratios.

Revenue Recapture Flexibility

Aspire is committed to delivering a conflict-free solution. All available revenue sharing from a plan's investments are returned to the plan. The plan sponsor can select to use the revenue sharing to:

1. Fund an ERISA spending account or pay plan expenses, or
2. Issue a credit back to the participants at the individual investment level in which each participant receives the revenue share from the investments he or she is actually invested in and not a percentage of the total revenue share returned.

Model Portfolio Building

Our highly scalable and customizable platform enables Package-to-Fit options, enabling you to implement your own packaged solutions or work with any strategic partner to develop a packaged solution for any of your clients.

Education and Training for Effective Results

InvestLink is highly automated and powerful, yet easy to interact with and use. Our comprehensive on-boarding training program ensures that advisors, plan sponsors and TPAs have all the information needed for plan set-up, management and maintenance. As a proprietary system, InvestLink can be configured to fit your needs or the needs of your clients.

Our online Resource Center provides access to printed and digital materials, including enrollment guides, personalized rate of return reports, articles and tutorials on a variety of retirement topics, calculators, access to market research and commentary, FAQs and glossaries. We offer regularly scheduled comprehensive administrator training on the system, allowing you and your clients to work effectively and efficiently with Aspire.

Single-Threaded Service Model

Aspire’s number one priority is the service we provide our clients, which means the client comes first, and we are committed to consistently delivering a superior client experience—that’s our single-minded customer service focus. Our single-threaded account management begins on day one of our partnership—when we assign a dedicated team of resources to your client’s plan—fully trained to handle their unique needs and committed to making the partnership a success. We are committed to delivering the industry’s highest-quality service levels.

• Professionally trained Retirement Call Center Specialists are available Monday – Friday, 8 a.m. – 8 p.m. ET

• Highly experienced implementation, trading, transfer, distribution, enrollment and relationship management professionals handle all aspects of your plans and your clients’ needs.