The Derivative Project

New Retirement Service Eliminates Conflicted Financial Advice and Poorly Performing 401(k)/403(b) Investment Options

New Retirement Service Eliminates Conflicted Financial Advice and Poorly Performing 401(k)/403(b) Investment Options

Announcing Not On My Nickel
Not On My Nickel, a research and education service for retirement savers refuses to wait for Washington to fix the retirement system and financial advice industry’s misconduct. 

Not On My Nickel ( announces a new online investment research and education service in direct response to Washington’s failed efforts to successfully reform the retirement industry.
Inaction by Congress, the SEC and Department of Justice has all prevented meaningful change for retirement savers.

The breakdown in the government’s highest offices, combined with the inability of the financial services industry to deliver the best-performing mutual funds at a reasonable cost inspired Susan Seltzer, Founder of Not On My Nickel, to establish a simple, easy-to-follow solution for individual investors who are overwhelmed by industry jargon, thousands of poorly performing mutual funds and contradictory fine print disclosures.

About Not On My Nickel 
Not On My Nickel is the first and only independent research and investment education service that engages retirement investors to take charge of their savings. It provides immediate access to the best-performing portfolio managers at the lowest fees, while offering ongoing education and resources, grounded in a spirit of teaching others how to take control of their financial future.
Not On My Nickel addresses three flaws in the current delivery of retirement investing services.

First, it eliminates the high assets-under-management fees paid to financial advisors who deliver little to no additional value. Second, it eliminates the dependency on conflicted advice from stockbrokers/financial advisors offering proprietary or inappropriate products. Third, it provides an immediate alternative to the high-fee, poorly performing mutual funds in 401(k) and 403(b) plans.

Not On My Nickel is available immediately to work with employers to provide this new education and research service to their employees.   
It is the first independent retirement service designed to actively engage employees to take control of their retirement nest egg, through straight forward, easy to understand tools.  

It is the first service to provide direct access for employees to the very few select active portfolio managers that have out-performed their relevant index for decades, at a reasonable and fair fee, while at the same time eliminating conflicted high intermediary advisor fees.

It clears up the employees expressed confusion, provides clarity and transparency, and eliminates the noise created by 1,000’s of poorly performing mutual fund choices, in one simple to use independent, non-conflicted service.