Financial Innovation

True innovation happens when a company jumps to the next curve — or better still, invents the next curve. Piedmont demonstrates its thought leadership in the financial services industry through its innovation, relevant background and experience, all focused to improve the clients' investment experience.

• Piedmont is the investment architect of retirement plan model portfolios. They are constructed via Modern Portfolio Theory then populated using the exclusive Dimensional Fund Advisor institutional share class mutual funds.


• Piedmont researches and writes custom due diligence reports to 401(k) Plan trustees and fiduciaries which uncover millions of dollars in previously unknown fees, charges and noncompliance with ERISA.


• Sustainable 401(k) is a truly green 401(k) Retirement Plan. The portfolios provide the option for sustainable mutual funds in every conceivable asset class. The plan itself also prudently conserves resources. The no paper plan – suppresses paper statements and uses e-statement technology delivered through secure email, and web seminars permit e-enrollment which saves money by avoiding unnecessary travel.


• There is a growing need for a smart alternative to the insurance company GIC or Stable Value Fund because guaranteed investment contracts are often flawed investment vehicles. The fixed returns are often below comparable government bond mutual funds. And, the assets of these unregistered securities can be comingled with the assets of the insurance company which places the plan and you as the plan fiduciary at risk. A more suitable alternative to the GIC is an SEC registered security or structured product that would include 100% principal protection of the investment and investor participation in the upside of the equity markets.


• The safe and certain strategy for retiring employees helps older retirement plan participants to lock-in their investment gains while continuing to experience only the upside of the market. Periodically, an investor's portfolio would be measured and their investment gains calculated and locked-in at the new higher level. This clique strategy protects the investor's portfolio from a decline in equity or fixed income prices by creating a floor underneath the portfolio. This strategy permits an investor to continue to participate in the upside volatility of the equity markets without fear of losing value when they need it the most—at retirement.


• Fixed Price Administration: A value proposition strategy to fix the costs of administration and recordkeeping in your company’s retirement plan. As the size of your plan’s assets under management grows, your cost for administration remains fixed thus making it a smaller and smaller expense on a percentage basis.

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