Primarily low-cost index funds from Vanguard. It does not need to be more complicated than this. The evidence shows this is an excellent strategy.
No commissions, insurance, 12(b) 1, soft money, Sub T-A, consultant, broker/dealer, or wrap fees. No revenue sharing at all! Only direct flat fees for support services.
One-on-one employee engagement and guidance. Your staff will receive the personal help they need – on their terms, at their own pace, when they are ready.