Fiduciary Retirement Plan Advisor
We serve company retirement plans as a named fiduciary — 3(21) or 3(38), whichever fits how much of the investment decision your committee wants to keep. Either way you get a documented process, benchmarked fees, and a partner in the room for every committee meeting.
ERISA § 3(21)
Co-fiduciary investment advisor
We recommend and monitor the investment lineup; your committee keeps discretion and makes the final call. Shared responsibility, with our recommendations documented at every step.
- Investment Policy Statement drafted and maintained
- Quarterly lineup review and watch-list reporting
- Recommendations brought for committee approval
- Committee meetings, minutes and fiduciary file
ERISA § 3(38)
Discretionary investment manager
We take discretion: selecting, monitoring and replacing plan investments in writing. Your committee delegates that decision-making — and the liability that travels with it — while keeping oversight of us.
- Full discretion over fund selection and replacement
- Ongoing monitoring against the IPS we maintain
- QDIA selection and target-date suitability review
- Reporting your committee reviews, not authors
Fiduciary status is defined by the written services agreement for each plan. Delegating investment discretion does not relieve a plan sponsor of its duty to prudently select and monitor its service providers.
The service model also includes
Integrated wealth management
Owners, executives and key employees get the same coordinated planning we give private clients — tax planning, estate planning, equity and deferred comp, retirement income modeling — all connected to the plan itself.
Employee education
On-site and virtual group sessions, one-on-one participant meetings, and a financial wellness curriculum covering saving, debt, benefits and retirement readiness — delivered on a calendar, not on request.
Onboarding packets
Enrollment materials designed for your company and your workforce — branded packets, plan highlights, contribution and match walkthroughs, and QR-code enrollment your HR team can hand out on day one.
Plan & vendor oversight
Fee benchmarking, recordkeeper and TPA searches, plan design and match strategy, compliance calendar support, and committee governance kept in a documented fiduciary file.