Dream Forward doesn't have any financial ties to fund families or any conflicts of interest when it comes to investment selection.
To maintain our independence and eliminate conflicts of interest, we use a third-party investment manager. This is called a 3(38) in 401(k) lingo. Expand Financial is our third-party 3(38) responsible for managing the investment lineup.
Expand Financial offers the "Practical" fund lineup. Practical includes only low-cost passive funds, like Vanguard's S&P 500 fund (VFINX) and TIAA-CREF's Lifecycle Index Fund (TLHIX). Practical offers top share classes - no 12b-1 fees or hidden commissions.
Socially responsible fund lineups are also available upon request.
Note that if your plan works with a financial advisor (more information on partnerships can be found here), they may act as your plan's 3(38) or 3(21).