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ClearDirection® — A suite of distinctive retirement programs.

Utilize our suite of simple — yet sophisticated — retirement programs to meet the unique needs of your organization.

  • ClearDirection® Portfolio:
    A turnkey program that saves you the time, expense and fiduciary risk of selecting and monitoring investments.
  • ClearDirection® Custom:
    A full-disclosure, level-compensation program with the flexibility to choose your level of involvement in the fund selection and monitoring process.
  • ClearDirection® Select:
    A true open architecture program where revenue sharing is used to offset plan administration costs.

Contact your retirement plan advisor for additional information or to request a proposal.

Plan management made easy.

One of our retirement plan solutions is ClearDirection® Portfolio, a program that is expertly designed and professionally managed by an independent Board of Trustees.* This team of financial professionals provides you fiduciary protection and simplifies plan administration by facilitating prescreening, selecting and monitoring the plan's investments.

Features include:

  • Streamlined investment menu designed to simplify employee decision-making
  • Broad-based, low-cost institutional mutual funds and custom designed collective investment trusts
  • Full array of target retirement date and target allocation funds

Contact your retirement plan advisor for additional information or to request a proposal.

* Board of Trustees — The longevity of the Board members varies. While some Board members have been a part of the Board for more than a decade, since the creation of the program, others are new. Members are comprised of financial industry leaders from across the nation and are independent of CUNA Mutual Group.

Your program. Your way.

One of our retirement plan solutions is ClearDirection® Custom. A program that allows you to choose the level of participation you have in the plan’s fiduciary responsibilities and investment selection. From delegating it all to managing it yourself, your involvement is up to you.

Options include:

  • "Do it for me" 3(38) co-fiduciary
  • "Help me do it" 3(21) co-fiduciary
  • "Independent"

ClearDirection® Custom provides you with both the flexibility and comprehensive support you need for a successful retirement program. Contact your retirement plan advisor for additional information or to request a proposal.

Sophisticated flexibility.

One of our solutions is ClearDirection® Select which allows you the flexibility to design a custom fund lineup and incorporate the sophisticated features you and your employees' desire. Working with your retirement plan advisor, you can design your plan's investment menu with access to a broad range of options. The funds you select for your plan may incorporate rebated revenue (i.e., sub-TA or 12b-1 fees) that can be used to pay plan administration costs or compensation for your plan advisor. If you want to customize your plan to meet the needs of your business, ClearDirection Select is the solution for you. Contact your retirement plan advisor for additional information or to request a proposal.