Michigan State University Retirement Plan


Providing Active Risk Management for Employees of Michigan State University

Q3  and our Representatives are proud to work side by side with Michigan State University employees. Our investment strategies are designed to react to changing market environments. We seek to participate in rising markets and reduce risk during unfavorable market conditions. Our experience has taught us that active investment management is increasingly important in delivering a real investment advantage.

Michigan State University Plan Details:

  • Michigan State University 403(b) Plans: #95378, & #82001

  • Michigan State University 401(a) Plan: #69047

  • Self-Directed Brokerage Account: Yes

Advice You Can Trust


In the Fall of 1982, Bradford Giamo began his career on the trading floor of the New York Commodities Exchange where he would spend the next 16 years refining his approach toward risk management. He and the team at Q3 have been helping investors navigate uncertain markets since 2006. Q3's services are available through a select group of investment professionals located across the country.


What's Your Exit Strategy?

As investors approach retirement, many can't afford to sustain a major loss at the hands of a bear market. At Q3, we believe that avoiding large losses is paramount in achieving long term growth. There are times where it may be prudent to reduce risk within your portfolio. For investors that don't have the time, desire, or expertise to manage their retirement assets effectively, Q3 is here to help.

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Frequently Asked Questions:

Some retirement plans offer a feature referred to as a Self-Directed Brokerage Account (SDBA). The problem is that not many participants really understand what it is or why they might want to use this feature. The SDBA allows participants to make investments outside of their regular plan window. So rather than being limited to a smaller number of options offered within the plan, a self-directed brokerage account often includes many more investments, such as stocks, bonds, mutual funds, and ETFs.

If you’re interested in adding the self-directed brokerage option, you will be required to fill out an application. In many cases this can be done online. Once established, you’ll be able to move all or a portion of your retirement accounts assets into the SDBA.

If you’d like to schedule a consultation with one of our experts, you’re welcome to email (info@q3tactical.com) or call us (248-566-1122 x 113) and we can set up a time to introduce you to both Q3 and one of our Representatives. In addition to providing an overview in person, we welcome the opportunity to discuss our services with you via webinar.

If you’d like more information on our services prior to setting up a consultation, simply email us (info@q3tactical.com) with the following information: Name / Employer / Your Location.

Q3 is a fee-based investment Advisor. This means that we do not charge commissions or benefit monetarily by the frequency of trades. Advisory fees vary depending upon the size of your portfolio and, depending on the custodian, are deducted on a quarterly basis after we have performed the service. You are free to terminate our service at any time.