A Smarter Approach to Workplace Retirement Plans
Retirement plans are one of the most powerful tools a business can offer. When designed and managed thoughtfully, they help employers attract and retain talent, improve employee outcomes, and create meaningful tax and wealth-building opportunities for owners and key employees.
Our role is to serve as an independent retirement plan consultant, helping plan sponsors navigate complexity, fulfill fiduciary responsibilities, and build a plan that aligns with their business and workforce.
Who We Serve
We work with closely held businesses, professional practices, and growing organizations that want:
- A retirement plan aligned with business goals and company culture
- Help navigating fiduciary and regulatory responsibilities
- Cost transparency and provider accountability
- Better outcomes for both owners and employees, partners, and key staff
Our services are delivered through a planning-first, independent advisory model focused on fiduciary discipline, thoughtful plan design, and long-term outcomes for business owners and professional practices, including dentists, physicians, ophthalmologists, medical groups, and closely held small businesses.
Our Retirement Plan Consulting Services
Fiduciary Guidance & Governance Support
Serving as a plan fiduciary involves ongoing responsibility and documentation. We help plan sponsors understand and meet those obligations by providing:
- Retirement plan committee education and best practices
- Guidance on fiduciary roles, responsibilities, and processes
- Support with plan governance and documentation
- Ongoing legislative and regulatory updates impacting employer-sponsored plans
Our goal is to help you make informed decisions, demonstrate prudent oversight, and reduce personal and business liability for practice owners and plan fiduciaries by establishing clear processes, documentation, and ongoing governance.
Plan Design & Optimization
No two businesses are the same, and neither should their retirement plans be. We work with plan sponsors to evaluate and design plans that balance employee benefits with owner objectives, including:
- 401(k), Safe Harbor, and Profit Sharing plans
- Cash Balance and Defined Benefit plans
- New comparability and allocation strategies
- Coordination with business structure and compensation design
Plan design is reviewed periodically to ensure it continues to serve both the business and its employees as circumstances evolve, particularly for practice owners, partners, and high-income professionals seeking to maximize tax efficiency while supporting staff retention and long-term growth.
Investment Consulting & Due Diligence
We provide independent investment consulting focused on prudent selection, monitoring, and documentation. Services include:
- Development and review of an Investment Policy Statement (IPS)
- Investment due diligence and manager evaluation
- Objective investment recommendations
- Ongoing performance monitoring and reporting
Investment decisions are evaluated relative to stated objectives, benchmarks, and participant needs, with an emphasis on simplicity, cost awareness, and long-term outcomes.
Performance Monitoring & Reporting
Ongoing monitoring is a critical component of fiduciary oversight. We provide regular reporting and review meetings to:
- Evaluate investment performance versus benchmarks and peers
- Identify trends and areas for improvement
- Document oversight and due diligence
These reviews help ensure the plan remains aligned with its stated goals and fiduciary standards.
Asset Allocation & Participant Outcomes
For plans that require broader portfolio oversight, we assist with:
- Asset allocation reviews for pooled portfolios or plan defaults
- Evaluation of target-date and managed allocation solutions
- Alignment of plan investments with participant demographics and behavior
The objective is to improve participant outcomes while maintaining fiduciary discipline.
Our Philosophy
We believe effective retirement plans are built on:
- Independence and objectivity
- Thoughtful plan design
- Clear fiduciary processes
- Transparent costs and accountability
- Ongoing education for plan sponsors and participants
Our approach is consultative, planning-driven, and coordinated with your broader business and personal financial strategy.
Start a Conversation for Business Owners
If you are evaluating a new retirement plan, reviewing an existing plan, or looking for a more proactive advisory relationship, we would welcome a conversation. Together, we can design a retirement plan that supports your business today while helping employees build confidence about tomorrow.