Our Approach

We connect with you on a personal level and turn conversations into actionable decisions. What you really want are the answers to a few basic questions:

• What do I have? 

• Am I on track to reach my goals?  

• What do I need to do to get there?

All the data in the world will not help someone make a decision if they can’t clearly see how it’s all related. Our team provides participants with a single point of contact for questions about retirement.  We can discuss your specific circumstances, goals, and financial resources.

We tell participants to “control what you can control.”  Participants control five aspects to their investing experience:

1. Goals

2. Savings rate (elective deferral $ or %)

3. Time horizon (retirement age)

4. Risk (stock/bond ratio)

5. Fees (partial control)

Frustrations lead to inaction. In the retirement industry, inaction over months or years costs participants significant financial opportunities. 

Removing frustrations from retirement planning is not easy. For years, attempts to make retirement planning less frustrating and more effective have failed. Historically, the focus of plan sponsors has been limited to educating employees on their workplace retirement plan to spur action. The traditional educational tools designed to improve financial literacy - seminars, booklets, and newsletters - can inadvertently fuel the frustration that employees feel and further perpetuate the cycle of inactiveness.  

Employees need a call to action.  Chesme Capital Management investment advisers deliver advice through an interactive medium that is supported and accessible to employees.  We act as a fiduciary and put your interests ahead of all others.

Investment advice picks up where guidance and education leaves off.  Participants often want to know how their spouse’s retirement portfolio, social security and other investment accounts fit into the big picture of preparing for retirement. We engage participants from start to finish and empower you to make better decisions.