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PENSION MAXIMA is a fee
based investment advisor.
We specialize in delivering
cost effective 401(k) programs for
successful companies. Our service
includes investment fiduciary, plan
features design, and successful par-
ticipant outcome.
We are independent, platform neu-
tral, and will serve as the fiduciary
to your investment platform. We
will assist you in building a low cost,
diversified platform, with winners in
both up and down markets taliored
to your employee demographics.
Our winning investment scorecard
emphasizes risk management as a
key componenet in performance
benchmarking.
We also provide customized finan-
cial wellness material through our
website:
www.financialwellnesstower.com
Attain enhanced learning results
through animated cartoons, activi-
ties, and quizzes.
Bonnie Yam, CFA, CFP
Pension Maxima Investment Advisory
Who We Are
BONNIE YAM, PRINCIPALPENSION MAXIMA INVESTMENT ADVISORY
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Our Core Services
Fiduciary Oversight
Plan Design
Provider Management
Investment Consulting
Plan Admin/Compliance
Participant Education
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INVESTMENT FEES can have a huge impact over retirement account balance particularly over long investment horizon.
Key Points to Getting Ahead
Fees Matter!
Plan Features Optimiza-
tion
Explore Roth features, stretched em-
ployer match, automatic enrollment
and re-enrollment to maximize
participants’ retirement success.
Fiduciary Outsourcing
Consider 3(16) Administrative and
3(38) Investment Fiduciary Out-
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sourcing to simplify administrative
work, compliance duties and plan
risks.
Successsful Participant
Outcomes
Interactive financial wellness web-
site: www.financialwellnesstower.
com. Enhanced learning through
animated videos, activities and
quizzes.
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Plan Fees Optimization
It is well recognized that fee
inefficiency is a major setback to
retirement savings. By identifying
low-fee replacements for high-fee
funds where the replacement funds
do not materially change the risk/
return profile offeredby the current
fund menu, this can transform to
impressive savings over time.
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$1,000,000
$1,500,000
$2,000,000
$2,500,000
$3,000,000
$3,500,000
$4,000,000
$4,500,000
$5,000,000
Year 0 Year 5 Year 10 Year 15 Year 20 Year 25 Year 30
Impact of Expense Ratio on 6% Return over 30 years
0.7% Expense Ratio $4,652,127
1.0% Expense Ratio $4,248,463
1.2% Expense Ratio $3,998,382
2.0% Expense Ratio $3,132,984
1.5% Expense Ratio $3,649,748
