ADV Part 2A – Firm Brochure Page 5 Premier Path Wealth Partners
Retirement Plan Consulting:
Our firm provides retirement plan consulting services to employer plan sponsors on an ongoing
basis. Generally, such consulting services consist of assisting employer plan sponsors in
establishing, monitoring and reviewing their company's participant-directed retirement plan. As
the needs of the plan sponsor dictate, areas of advising may include:
• Establishing an Investment Policy Statement – Our firm will assist in the development of
a statement that summarizes the investment goals and objectives along with the broad
strategies to be employed to meet the objectives.
• Investment Options – Our firm will work with the Plan Sponsor to evaluate existing
investment options and make recommendations for appropriate changes.
• Asset Allocation and Portfolio Construction – Our firm will develop strategic asset
allocation models to aid Participants in developing strategies to meet their investment
objectives, time horizon, financial situation and tolerance for risk.
• Investment Monitoring – Our firm will monitor the performance of the investments and
notify the client in the event of over/underperformance and in times of market
volatility.
• Participant Education – Our firm will provide opportunities to educate plan participants
about their retirement plan offerings, different investment options, and general
guidance on allocation strategies.
In providing services for retirement plan consulting, our firm does not provide any advisory
services with respect to the following types of assets: employer securities, real estate (excluding
real estate funds and publicly traded REITS), participant loans, non-publicly traded securities or
assets, other illiquid investments, or brokerage window programs (collectively, “Excluded Assets”).
All retirement plan consulting services shall be in compliance with the applicable state laws
regulating retirement consulting services. This applies to client accounts that are retirement or
other employee benefit plans (“Plan”) governed by the Employee Retirement Income Security Act of
1974, as amended (“ERISA”). If the client accounts are part of a Plan, and our firm accepts
appointment to provide services to such accounts, our firm acknowledges its fiduciary standard
within the meaning of Section 3(21) or 3(38) of ERISA as designated by the Retirement Plan
Consulting Agreement with respect to the provision of services described therein.
Retirement Plan Rollover Recommendations:
A client or prospective client leaving an employer typically has four options regarding an existing
retirement plan (and may engage in a combination of these options): (i) leave the money in the
former employer’s plan, if permitted, (ii) roll over the assets to the new employer’s plan, if one is
available and rollovers are permitted, (iii) roll over to an Individual Retirement Account (“IRA”), or
(iv) cash out the account value (which could, depending upon the client’s age, result in adverse tax
consequences). If our firm recommends that a client roll over their retirement plan assets into an
account to be managed by our firm, such a recommendation creates a conflict of interest if our firm
will earn new (or increase its current) compensation as a result of the rollover. If our firm provides
a recommendation as to whether a client should engage in a rollover or not, the firm is acting as a
fiduciary within the meaning of Title I of the Employee Retirement Income Security Act and/or the
Internal Revenue Code, as applicable, which are laws governing retirement accounts. No client is
under any obligation to roll over retirement plan assets to an account managed by our firm.
Selection of Independent Money Managers:
Our firm may recommend that you use the services of a third-party money manager ("TPMM") to
manage all, or a portion of, your investment portfolio. After gathering information about your
ADV Part 2A – Firm Brochure Page 6 Premier Path Wealth Partners
financial situation and objectives,
we may recommend that you engage a specific TPMM or
investment program. Factors that we take into consideration when making our recommendation(s)
include, but are not limited to, the following: the TPMM's performance, methods of analysis, fees,
your financial needs, investment goals, risk tolerance, and investment objectives. Our firm will
monitor the TPMM(s)' performance to ensure its management and investment style remains
aligned with your investment goals and objectives. The TPMM(s) will actively manage your
portfolio and will assume discretionary investment authority over your account. In addition,
TPMM(s) may be granted authority to further delegate such discretionary investment authority to
other TPMM(s). Our firm will assume discretionary authority to hire and fire TPMM(s) and/or
reallocate your assets to other TPMM(s) where we deem such action appropriate.
Assets Held Away From Our Firm:
We may leverage an Order Management System through Pontera to implement investment
selection and rebalancing strategies on behalf of the client in held away accounts (i.e., accounts not
directly held with our recommended custodian). These are primarily 401(k) accounts, HSAs, 403bs,
529 education savings plans, 457 plans, profit sharing plans, and other assets not custodied with
our recommended custodian. We regularly review the available investment options in these
accounts, monitor them, and rebalance and implement our strategies in the same way we do other
accounts, though using different tools as necessary. There may be a difference in the performance
of our strategies of an account using Pontera in comparison to accounts held at our recommended
custodian.
Dynasty Network:
We have entered a contractual relationship with Dynasty Financial Partners, LLC ("Dynasty"), which
provides our firm with operational and back-office support including access to a network of service
providers. Through the Dynasty network of service providers, we may receive preferred pricing on
trading technology, reporting, custody, brokerage, compliance, and other related services. Dynasty
charges a "Platform Fee," which is included as part of your annual investment management fee, as
described in Item 5 below. In addition, Dynasty's subsidiary, Dynasty Wealth Management, LLC
("DWM") is an SEC registered investment adviser, that provides access to a range of investment
services including: separately managed accounts (“SMA”), mutual fund and ETF asset allocation
strategies, and unified managed accounts ("UMA") managed by external Third-Party Managers
(collectively, the "Investment Programs"). We may separately engage the services of Dynasty and/or
its subsidiaries to access the Investment Programs. Under the SMA and UMA programs, we will
maintain the ability to select the specific, underlying Third Party Managers that will, in turn, have
day-to-day discretionary trading authority over the requisite client assets.
DWM sponsors an investment management platform (the "Platform" or the "TAMP") that is available
to the advisers in the Dynasty Network, such as our firm. Through the Platform, DWM and Dynasty
collectively provide certain technology, administrative, operations and advisory support services
that allow us to manage our client portfolios and access Third-Party Managers that provide
discretionary services in the form of traditional managed accounts and investment models. We can
allocate all or a portion of Client assets among the different Third-Party Managers via the Platform.
We may also use the model management feature of the TAMP by creating our own asset allocation
model and underlying investments that comprise the model. Through the model management
feature, we may be able to outsource the implementation of trade orders and periodic rebalancing of
the model when needed.
We will maintain the direct contractual relationship with the Client and obtain, through such
agreements, the authority to engage independent third-party managers, DWM and/or Dynasty, as
ADV Part 2A – Firm Brochure Page 7 Premier Path Wealth Partners
.