We believe the retail investor and financial adviser are underserved by the buy-and-hold philosophy

Custom client portfolios

We custom fit the investment solution to the client. We don’t force clients into investment vehicles that may not fit their lifestyle or timeline.

Working with advisers, we establish an investor’s personal benchmark to set expectations and measure progress towards each investor’s goal.

We then build a strategically diversified portfolio designed to reach that benchmark and react to future market conditions.

Seperately managed accounts

We provide plan core fiduciary services, model portfolios and active management of participant retirement plan accounts custodied on various platforms.

  • 401(k)
  • 403(b) (Fidelity, TIAA)
  • PCRA
  • Profit Sharing
  • Solo-K/Uni-K
  • Managed participant accounts
  • QDIA investments
  • Core fiduciary services and fund selections for self-directing participants
Managed retirement programs

Flexible Plan has management agreements with most popular investment platforms.


Market Regimes indicator
White paper library ADVISOR RESOURCES

White paper library

Bucket investing

Bucket investing with risk-managed portfolios
The essence of the bucket approach is to divide a client’s portfolio assets into several pools, or “buckets,” each with different planned goals, needs, or time horizons, and then design a separate asset allocation policy for each “bucket.”

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Why we manage for risk

Why we manage for risk and not just reward:
We play defense first and offense second to try to win the game

As an active money manager offering 100+ strategies for separately managed client accounts, we believe that risk management is the most important ingredient for investment success. While Wall Street talks about diversifying asset classes to manage risk, we add active management and strategic diversification to our defensive toolbox to combat market volatility.

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Buy and Hope

Buy and Hope vs Active Management
When running the investment gauntlet, there are two choices. Recently I came to the realization that from my clients’ point of view, there are at least two choices of buy and hold strategies. The first we call Buy and Hope investing—acquiring a portfolio of stocks, bonds or mutual funds and then passively holding on to them through all the vicissitudes of the market. The other is committing to an actively managed account run by a professional advisor. Both require a long-term commitment to work. Let’s see how they differ to help you determine: “Which type of Buy and Hold investor would you rather be?”

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Want to view other white papers and resources on Active Management? Check out our Knowledge Center >>



Frequent trading without high commissions

FPI has been selected to subadvise a family of actively managed mutual funds. These Funds seek to generate high appreciation on an annual basis consistent with a high tolerance for risk. The structure of the funds is more flexible and less expensive, with the ability to access a wider array of trading strategies and financial instruments for our investors.

Quantified Funds Gold Bullion Strategy Fund

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GIPS verification by ACA Performance Services

Flexible Plan Investments, Ltd. is a federally registered independent investment adviser.
Flexible Plan claims compliance with the Global Investment Performance Standards (GIPS).
To receive a list of composite descriptions of Flexible Plan strategies and/or a compliant presentation, contact sales@flexibleplan.com or call 800-347-3539.