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Retirement Plan Services

Company retirement plans designed to fit your needs

Traditional and Roth 401(k)
Let Employees save pre- or post-tax.

Safe Harbor Plans
Allow owners & executives to maximize their contributions.

Cross-Tested Profit Sharing Plans
Max fund contributions to IRS limits.

Cash Balance Plans
Already maxing your 401(k) and wanting to save more pre-tax?

Defined Benefit Plans
Pension plans for large corporations or solo practitioners.

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Retirement Plan Investment Advisory Services

We help plan sponsors by selecting and monitoring the plan's investments.  Our goal is to offer a diverse menu of investment options that both satisfies fiduciary safe harbors and participant needs. Our menus generally include a suite of low-cost passive investments, alpha-seeking options, and options for capital preservation. All menus include target date funds specifically tailored to the underlying demographics of the participant population.


How we can work with you

ERISA 3(38) Fiduciary

ERISA 3(21) Fiduciary

ERISA section 3(38) defines an “investment manager.” An investment manager is special type of fiduciary who has been specifically appointed to have full discretionary authority to make actual investment decisions. The manager may select, monitor, remove and replace the investment options offered under the plan. The 3(38) investment manager carries the liability for the investment decisions, while the plan sponsor/trustee retain the responsibility for vetting/monitoring them. A 3(21) investment fiduciary is a paid professional who provides investment recommendations to the plan sponsor/trustee.  Though 3(21) fiduciaries have a duty act in the best interest of plan participants and beneficiaries, in this arrangement, the plan sponsor/trustee retains ultimate decision-making authority for the investments.  The plan sponsor/trustee may accept or reject the recommendations of the advisor.  Thus, they also both share in the fiduciary responsibility and liability.


Fee Benchmarking

Fees are the number one source of litigation for retirement plan sponsors.  Are you paying reasonable fees for your retirement plan? 

As a responsible plan fiduciary, you have a duty to know what your fees are and a legal obligation to ensure they are reasonable and necessary for the value of services provided.  Let us help you to fend off potential DOL auditors and plaintiffs attorneys by substantiating fee reasonableness via a benchmarking report.

Benchmark Your Plan Today!