University Retirement

University 403b™ Retirement Advisory Service

Providing Pro-active management of Your University 403b Retirement Plan

Highlights of the Program:

  1. Performance. Please contact us, so we can show you how it compares to the S&P 500.
  2. You can enter or leave the program whenever you want.
  3. Since the University 403b™ Retirement Advisory Service cannot be directly provided by your university, they have allowed the program to be available to employees through independent companies, like Retire On Time™. Nevertheless, your retirement dollars stay with your current mutual fund custodian.
  4. We currently provide management of University 403b™ individual accumulations and contributions (Employer and Employee) at over 20 universities in Michigan.
  5. Our program uses Pro-Active Management                                                                         
  6. Retire On Time™ is an independent company which has provided 3rd party money management services to many clients in the Ann Arbor area for over 15 years.

Active vs. Passive Management

There are two ways to distribute funds across asset classes. One methodology is passive, which involves reallocating assets according to a pre-determined time interval such as quarterly, annually, or on a pre set percentage basis. Whenever the weightings become out of the initial target range, the percentages are reset.

The other philosophy, which we adhere to, is active asset allocation. This approach calls for rebalancing of asset classes based on market trends, economic factors, and the likelihood of future strength or weakness in any given asset class. This is not market timing, which is moving all in or all out of certain asset classes at any given time. Our goal is to maintain diversification of client portfolios based on individual client objectives and risk tolerance, while looking to overweight portfolios to areas of potential strength and underweight them to areas of weakness. Please note that asset allocation and  diversification do not guarantee against market losses.They are methods used to help manage investment risk.

How we can help with your University 403b™ Retirement Plan


    Our service is available through a third party money manager, which means we have the ability to provide active third party money management of dollars currently invested in your retirement program. This can greatly enhance your returns over time with either of these providers. Our mission is simple. To help clients maximize and protect the value of what is, in many cases, their largest nest egg. We can help whether your retirement dollars are in a 403b, 457, 401a, 401k or supplemental.

    We currently provide management of University 403b™ individual accumulations and contributions (Employer and Employee) at over 50 institutions, including over 20 in the State of Michigan.

    Currently there are over 100 different investment options offered through various mutual fund providers. How much could you benefit if you had a professional money manager researching, analyzing, selecting, and rebalancing these investments according to your specific risk tolerance, using some of the best funds available to you.

    At the end of the day we all have a limited amount of time to spend on whatever is important to each of us individually. Few people have the time, inclination, or expertise to constantly manage their own retirement dollars. We spend the time analyzing and selecting the most appropriate investments offered to you so you can spend your time on what is important to you.

    We are locally based here in Ann Arbor and will meet with you personally to discuss your portfolio on a regular basis. We are only a phone call or a click away if you ever have any questions. One of the intrinsic values we provide is to help our clients manage their emotions. Let’s face it, after the tumultuous events in the financial markets, how many of us have been tempted to throw in the towel on equity investments altogether? We are there to listen to your concerns and keep you on track to your ultimate goal.

Why us?


    Performance. Please contact us, so we can show you how it compares to the applicable index. We think you'll be pleasantly surprised.

    We work for our clients alone. We sell no products through our Advisory service, which strives to enhance and optimize the program the client already owns and invests in.

    Our Annual Advisory Fee structure is priced competitively with other third party money managers.