Retirement Plan Services
A fiduciary role that fits your plan
We advise on plan design, handle the implementation, and advocate for your company's interests with plan providers. We can share fiduciary responsibility for the plan's investments or take it on, as a 3(21) investment adviser or a 3(38) investment manager.
Sharing or delegating that responsibility can reduce the fiduciary risk you carry, though you remain responsible for choosing and monitoring your plan's advisers.
Our service goals
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Keep plan costs reasonable and clear
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Save you time on plan administration
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Help keep your plan in line with ERISA and Department of Labor requirements
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Give your employees investment choices and education they can use
Why plan sponsors work with us
- Independent
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We have no ties to a bank, brokerage, or insurance company, so our advice isn't shaped by a parent company's interests.
- Fiduciary, fee-only
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As a plan fiduciary, we're legally bound to act in the best interest of your plan's participants, and we're paid through advisory fees, never commissions or product sales.
- Direct access
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You can talk directly with the people who make the investment decisions, by phone, email, or in person.
- Employee-owned
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We're owned entirely by the three principals who shape our investment decisions, so we take a personal interest in every client.
- Transparent costs
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Our fee is stated in writing before you engage us and appears in the plan's required fee disclosures.
- Tailored fit
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We match recordkeepers and other service providers to the size and needs of your business, instead of a single bundled package.
Questions worth asking about your plan
Most business owners would rather spend their time on the business. We take on as much of the plan's work as you need.
- Do you know what your plan costs, and who is paid from it?
- Are the plan's investments reviewed on a schedule, and is that review documented?
- Who shares fiduciary responsibility with you?
- Do your employees understand their options?
- Is your plan keeping up with ERISA and Department of Labor requirements?
How we work
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Step 1
First conversation
An assessment of your goals and a no-cost review of your current plan and service providers, if you have one.
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Step 2
Design and setup
A plan structure and recordkeeper that fit your business, an investment policy statement, and the investment menu.
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Step 3
Ongoing oversight
Regular investment committee meetings, help with compliance and audits, and employee education.
Our process in practice
An example of how we apply our approach.
Fictional client examples provided for illustration only.
Start with a conversation
Start with a no-cost review of your current plan: its costs, investments, and service providers. We'll share what we find, with no obligation.