Our Services

  • Do you have an investment portfolio that is not performing up to your expectations?
  • Do you need to better understand your entire financial picture?
  • Are you participating in a 401(k) plan or having difficulty in managing the available options?
  • The Retirement Advisors of Scarborough Capital Management, Inc. can help!

When it comes to managing your retirement and financial future, few people are capable of understanding the nuances on investing, let alone have the wherewithal to develop a sound plan of action. Having an independent provider of financial planning and management on your side can go a long way to achieving your desired financial objectives. From 401(k) management to comprehensive financial planning, we are among those professionals who can help.

401(k) Management
Managing your company-sponsored 401(k) account may be the last thing on which you want to spend your valuable personal time. After all, it takes time to monitor market conditions and investigate investment changes. And when your 401(k) account requires a reallocation or rebalancing, chances are life will interfere again and you may not reallocate in a timely fashion.

That’s where Savings Plan Management can help. Savings Plan Management provides professional management of your savings plan.

  • Save your quality time… by letting a professional manage your account for you.
  • Build your retirement portfolio… with a prudent asset allocation designed to achieve an appropriate level of return for the risk you are able to take.
  • Increase your investment knowledge… by working directly with one of our professional Retirement Advisors.

Here’s how Savings Plan Management works:

  • First you complete our Investor Profile questionnaire.
  • Next you’ll discuss the Investor Profile with your Retirement Advisor who also develops a sound understanding of your financial goals.
  • The Retirement Advisor assigns a savings plan portfolio designed to meet your financial goals while attempting to minimize the level of risk.
  • Scarborough Capital Management implements the recommendation and reallocates the portfolio on your behalf.
  • There is no limit to the amount of time you may spend consulting with your Retirement Advisor.

Savings Plan Management was first offered by Scarborough Capital Management, Inc. in 1990. Scarborough Capital Management has demonstrated the value of a disciplined approach by managing the 401(k) accounts for thousands of participants at companies across the country.

The independence of Scarborough Capital Management helps to ensure that your portfolio is designed to provide an appropriate allocation to meet your needs. Because we sell no proprietary products and are not the provider of your company’s 401(k) plan, you can be assured there is no conflict of interest.

Scarborough Capital Management assigns a Retirement Advisor as your personal savings plan portfolio manager. Not only does your Retirement Advisor personally become familiar with you, your Retirement Advisor also knows your retirement plan details. To ensure a comprehensive understanding of you and your plan, we limit the number of clients and 401(k) plans assigned to each Retirement Advisor.

The cost for 12-months of Savings Plan Management is $365.00. That's a dollar a day to ease your mind about retirement. Sign-up today and your spouse can also sign-up for just $305.00 – that’s $60 off our regular rate!

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Portfolio Management
Independent, professional portfolio design and management

There are many reasons to save and invest your hard-earned dollars. Maybe you're looking for a new house, maybe you have kids to send to college, or maybe you have an ideal retirement in mind. Throughout life, prudent money management is integral to reaching your financial goals.

However, many people have difficulty finding the time and gaining the financial expertise to substantially grow their investment portfolios.

Scarborough Capital Management offers goal-focused investment planning in a variety of ways. Your Retirement Advisor can help you decide which is most appropriate to meet your needs.

Call us today at (800) 835-4015.

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The Scarborough Method
"Retirement is not an age. Retirement is not an event. Retirement is a phase you go through after you quit working full-time. And with any luck, it's a phase you'll spend 20 or 30 or more years enjoying. Enjoying, that is, if you figure out how to pay for it before you get there."

– J. Michael Scarborough, from "The Scarborough Plan: Maximizing the Power of Your 401(k)"

Scarborough Capital Management, Inc. has developed a proprietary method to identify and rank investment opportunities for our portfolios. As a result, our methodology gives us the distinct opportunity to deliver institutional selection techniques to retail investors and 401(k) plan participants.

The Brinson studies of 1986 suggest that asset allocation is responsible for over 90% of a portfolio’s return. The Brinson research served as a foundation for the work of William Sharpe and Harry Markowitz, who were awarded the Nobel Prize in economics in 1990. It should be noted, however, that investment selection does have an impact on long-term returns and must be taken into account. Scarborough Capital Management coordinates relevant variables used in fundamental analysis to rank investments in each asset class.

The standard deviation, for example, is a statistical measurement of volatility used to determine risk. We use this factor to determine risk adjusted returns, a key variable in the rating procedure. Additionally, an investment’s return will fall into one of four tiers when compared to its peer group, commonly known as the quartile performance. Please note that current quartile performance as well as historical quartile performance must be analyzed. It should also be mentioned that a strict accounting of the investment’s fiduciary and regulatory performance, management tenure, management expertise and organizational advantages must be incorporated into our process. While this procedure is in some ways subjective, these measures impact our final ratings. Lastly, we believe that investments must adhere to its business model and sustain a consistent strategy to preserve the integrity of our asset allocation model.

These variables are used to quantify investments in our selection process. An investment that currently ranks in the top quartile for performance as compared to its peer group may rate poorly because it assumed exceedingly high amounts of risk and pursued a strategy that went beyond the scope of the intended business model. In this case, the style consistency and risk adjusted returns make the investment less attractive after all of its components are quantified. A second quartile performer may be a more attractive option if the management tenure and experience is extensive and the investment has exhibited favorable corporate citizenship.

Scarborough Capital Management does not claim to have predictive capabilities, but rather an investment selection technique that helps us identify vehicles that could potentially deliver consistent returns with acceptable amounts of risk to the investor. To discuss The Scarborough Method, please contact your Retirement Advisor.

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Education Services
Educating consumers on the fundamentals of financial management.

One of the most important things employers can do today to help their employees understand and prudently prepare for their eventual transition out of the workforce is to provide them with education opportunities that are going to arm them with the information they need.

Since 1990, we have made it our mission to provide educational opportunities to America’s workforce by working with human resource executives and benefits administrators at some of the smallest – and largest – companies in the country.

Educational programs are provided in the form of workshops and seminars that run from one-hour to two-hours. Each can be specially tailored to fit your audience dynamic and need. Titles include:

10 Steps to 401(k) Success
Our most popular title! All employees, throughout their careers, can benefit from this condensed seminar, which explains ten basic steps in managing a 401(k) and applies them to your specific plan. It covers issues ranging from contributions to distributions.

Financial Forum
We’ve incorporated the concepts of a town hall meeting, so attendees can address the issues most important to them. Our speakers begin this forum with an overview of economic and market conditions, and then open the discussion to your questions.

Investing in Your Future
This comprehensive seminar is suitable for all employees. It details the components of your 401(k) plan – the investment options, contribution limits and loan features. Then it addresses diversification and proper asset allocation. This seminar also may address Traditional and Roth IRA issues.

Highway to Financial Success
Learn how to navigate the roadblocks on the way to reaching your financial goals. Ideal for employees in mid-career, this seminar explains many of the tools needed to plan their financial lives, including setting realistic goals, calculating specific savings needs and developing investment strategies to help reach those goals.

Transitions
This seminar can help employees make critical decisions regarding their retirement if layoffs, mergers, acquisitions, etc. It can also be tailored to a group of individuals preparing for an imminent retirement.

To schedule one of these exciting workshops for you and your colleagues, please call 800-835-401K today!

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Financial Planning
Financial planning is the act of creating a detailed strategy that covers all of life’s milestones and goals. Many people today simply look at individual financial issues and plan for those, but if they are not properly planned together, you may be missing a vital piece of the overall puzzle. Having a Certified Financial Planner (CFP) professional in your corner to develop this comprehensive plan is a good place to start!

Ivory Johnson, our director of financial planning, develops our comprehensive financial plans for our clients. While we use software to perform some calculations, it's the human interpretation of that data which makes the financial plan useful.

The five disciplines of financial planning that are covered in every plan include:

Estate Planning
An estate plan offers you the opportunity to choose who inherits your assets, when they will receive it and under what circumstances. Additionally, it may help to reduce the administrative costs and exposure to estate taxes.

Retirement Planning
The purpose of retirement planning is to help ensure a predetermined standard of living once you leave the workforce. Scarborough Capital Management will analyze your current resources to see if you can meet your goals. In addition, we will explain how to manage your assets after you retire.

Investment Planning
An effective investment plan is critical in meeting your retirement and education goals, but also can be affected by your estate plan and tax status. Scarborough Capital Management will analyze your retirement and non-retirement assets to help ensure an efficient investment strategy.

Insurance Planning
Adequate attention must be given to risk management to prevent an unforeseen loss from affecting other goals. Scarborough Capital Management will address life, disability, long-term care, automobile, and liability insurance needs. Our plan will also evaluate existing coverage and recommend further action if necessary.

Education Planning
Education planning establishes the blueprint to help pay for a child's education. Scarborough Capital Management will tell you how much you need to save based on anticipated cost and an assumed rate of return on your investments. We will also help you identify the position that education should have on your priority list. Moreover, we will integrate your education goals with your ability to save for retirement, help reduce taxes and potentially increase investment returns adjusted for risk.

Once you receive the plan, we'll help you implement it. We will also act as your quarterback by coordinating the efforts of your other professional advisors, including attorneys and accountants.

To get your financial plan started today, simply call our office at 800-835-401K.

We are ready to help you plan for today and tomorrow!

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