Retirement Plans & 401(k)


More than fiduciary responsibility, it’s how we do business.

Employers carry fiduciary liability when they sponsor a plan for their employees. As your advisor, we also serve as a fiduciary to your plan. We can serve as a fiduciary either as a consultant under a non-discretionary 3(21) fiduciary status or as a manager under a discretionary 3(38) fiduciary arrangement. We have experience working with all kinds of plans (defined contribution, defined benefit and non-qualified plans) and are familiar with the operations and related service providers of various other plans.


401(k) Made Simple®

We understand that employers, or plan sponsors, are more interested in spending time growing their businesses rather growing employee benefits. That’s why we created 401(k) Made Simple®.  It’s our commitment to simplify the work of Employers and Trustees. We do this by providing a well-defined and structured service platform that addresses the responsibilities of plan fiduciaries, along with limiting their time commitment. In addition to covering their compliance obligations, we work with our clients to assure the plan design and investments will help the Employers and their employees meet their objectives and provide a meaningful and effective employee benefit.


Some of the services and benefits we provide:

Plan Design and Implementation

  • Collaborate with plan service providers (TPA, Record-keeper and Custodian)

  • Draft Statement of Investment Policy, Fee Policy Statement and Investment Advisory Agreement

  • Evaluate plan investment options

Employee Education

  • Conduct enrollment and employee update meetings

  • Provide plan sponsors (employers) with notices to distribute to participants when changes are made to the plan

  • Educate and assist plan participants in planning for their financial future

Plan Sponsor Partner

  • Monitor investments and plan structure and facilitate changes as called for

  • Provide insight and perspective on the economy and financial markets

  • Inform employer of any upcoming regulatory issues or changes that may impact their plan

  • Compare and monitor plan expenses and services in relationship to industry benchmarks


We have well established relationships with numerous industry leading providers; please contact us to learn more.