Grey Fox Wealth Advisors

The experts that help you manage your retirement investment

It is important that partners share values, purpose, and drive, which is why we selected Grey Fox as our PEP investment managers and financial wellness experts.

LEARN MORE ABOUT GREY FOX WEALTH ADVISORS

-> Core values

-> Pooled Employer Plan Approach

-> Investment Strategy

-> Financial Wellness

-> Leadership

Grey Fox’s Core Values

We believe certain values and approaches matter in this industry…

Honest and competent service
As independent fiduciaries, we have the ability – and the mandate – to research and recommend only optimized products that fit your plan’s objectives and trajectory.

Grit and hard work
Grey Fox is a family business. We are dedicated to outworking others for the benefit of our clients.

Clear alignment of long-term goals
As a foundational principle, we believe in transparent partnerships that align incentives, simplify complicated processes, and help you keep and grow more. of your hard-earned capital.

Our comprehensive Pooled Employer Plan approach

Customized Investment Strategy

Improve retirement investment options by optimizing performance and minimizing total fees.

GFWA accepts fiduciary responsibility as the 3(38) Retirement Plan Advisory Partner.

Single Point-of-Contact for Owners

Provide consistent availability to answer specific questions or address financial planning concerns for all business owners.

Financial Wellness Program

Provide quarterly educational sessions to address financial topics, market movements, and participant questions.

Offer monthly virtual availability for one-on-one sessions.

What funds do we offer?

Peppermint works with our financial management partner, Grey Fox Wealth, to offer
better performing, lower cost, higher quality funds that exceed expectations.

Name	Ticker	Total Ret 1 Yr	Total Ret Annlzd 3 Yr	Total Ret Annlzd 5 Yr	Total Ret Annlzd 10 Yr
Vanguard Growth Index Admiral	VIGAX	35.98	8.83	17.58	14.57
Vanguard Value Index Adm	VVIAX	7.30	11.26	10.44	10.23
Vanguard Mid Cap Index Admiral	VIMAX	5.83	5.15	10.13	9.50
AB Small Cap Growth I	QUAIX	3.93	-9.50	7.49	8.43
Vanguard Small Cap Value Index Admiral	VSIAX	3.74	8.78	8.96	8.53
Vanguard Developed Markets Index Admiral	VTMGX	6.97	3.53	6.57	4.90
BlackRock Emerging Mkts Instl	MADCX	-4.03	-8.56	2.50	4.01
Vanguard Real Estate Index Admiral	VGSLX	-3.75	3.26	3.91	6.38
Vanguard High-Yield Corporate Adm	VWEAX	7.82	1.73	4.16	4.34
Vanguard Total Bond Market Index Adm	VBTLX	2.19	-3.18	0.86	1.61
Vanguard Total Intl Bd Idx Admiral™	VTABX	5.71	-2.52	0.56	2.20
Schwab Treasury Infl Protected Secs Idx	SWRSX	2.18	-1.11	2.83	2.13
Vanguard Target Retirement Income Fund	VTINX	6.40	0.62	4.17	4.10
Vanguard Target Retirement 2020 Fund	VTWNX	7.39	1.55	5.61	5.69
Vanguard Target Retirement 2025 Fund	VTTVX	8.56	2.14	6.41	6.31
Vanguard Target Retirement 2030 Fund	VTHRX	9.44	2.74	7.09	6.83
Vanguard Target Retirement 2035 Fund	VTTHX	10.25	3.44	7.80	7.36
Vanguard Target Retirement 2040 Fund	VFORX	11.00	4.10	8.49	7.85
Vanguard Target Retirement 2045 Fund	VTIVX	11.75	4.76	9.17	8.24
Vanguard Target Retirement 2050 Fund	VFIFX	12.19	4.99	9.34	8.32
Vanguard Target Retirement 2055 Fund	VFFVX	12.16	4.99	9.32	8.30
Vanguard Target Retirement 2060 Fund	VTTSX	12.19	5.00	9.33	8.30
Vanguard Target Retirement 2065 Fund	VLXVX	12.21	5.04	9.32
Vanguard Short-Term Corp Bd Idx Admiral	VSCSX	4.90	0.02	2.13	2.02

A focus on financial wellness

As part of your peppermint offering, Grey fox provides quarterly financial wellness presentation on pertinent and useful subjects.

Quarterly Education

Focused presentations on subjects that are pertinent to your retirement plan

First Session	Your Peppermint Pooled Employer Plan (Details of the PEP) Allocation Review (Overview of the value of allocation and diversification)
Second Session	Equities and Bonds (Overview of general investment options) Opening an Investment Account (Steps to open an additional account)
Third Session	Retirement and Taxable Accounts (Differences between investment vehicles) Cash Reserve (Review of an “appropriate cash reserve”)
Fourth Session	Financial Planning (Planning for key events – college, mortgages, etc.) Legacy Planning (Introduction to wills/trusts and long-term planning)

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Finance Fridays

Monthly one-on-one “Question and Answer sessions available to all employees on the first Friday of each month. During these informal, virtual conversations the employee has a chance to individually discuss specific questions and finance-related topics with a partner from Grey Fox Wealth Advisors.

Who is Grey Fox?

Kevin Dombrowski

Partner

Kevin Dombrowski is a Partner at Grey Fox Wealth Advisors. Kevin formerly worked for MainLine Private Wealth where he helped manage over $600 million of clients’ assets. Prior to that role, Kevin served as Senior Vice President for Morningstar and managed several of its largest strategic partnerships. He has been in the financial services industry for over ten years.n

Kevin holds a Bachelor’s degree from the University of Michigan and a Master’s degree in Business Administration from the Kellogg School of Management at Northwestern University. Kevin was a recipient of the Delaware Business Times “40 Under 40” award in 2016.

Ted Lauzen

Partner

Ted Lauzen is a Partner at Grey Fox Wealth Advisors. He formerly served as an officer and a combat helicopter pilot for the United States Marine Corps. While deployed in 2012 and 2013, he flew more than 230 combat flight hours, executed 127 combat missions, and provided close air support for American and international ground forces throughout the volatile Helmand Province of Afghanistan.

Ted graduated magna cum laude from Duke University in 2007, interned as a healthcare investment banker at Goldman Sachs in 2017, completed Leadership Delaware as a Fellow in the Class of 2019, and attended the University of Pennsylvania (Penn Law and The Wharton School) to earn his JD/MBA. While at Penn, he focused his academic efforts in the areas of corporate law, business management, and entrepreneurship.