Qualified Plans: 401(k), 403(b), and Defined Benefit Planning

Depth, Specialization and Experience.  The retirement planning (RP) business has become increasingly complex over time.  401(k) plan design, Defined Benefit Plan maintenance,  investment due diligence, employee communications, customer service, and non-qualified deferred compensation are all lumped under the broad definition of “RP services” and each of these constitutes a specialized discipline in their own right.  We have built our business around these specialized disciplines so that our team can focus on specific areas of the 401(k) and retirement planning process. We have an investment specialist, a due diligence research specialist, an education specialist, and a conversion specialist who collectively support our customer service team members and our clients. You will also have a dedicated Client Relationship Manager (CRM) that you will work with on your plan. Each CRM has a dedicated backup who is familiar with your plan so that you never go without service. Our goal is to help you have your plan be on track for fiduciary governance, your participants to be ready to retire in a timely manner, and to have your plan be a competitive against your peers for recruiting and retention.

 The core of our deliverable is our proactive proprietary service model called the Fiduciary Quality Management Program (FQMP). The FQMP maps out the service and maintenance of your plan each calendar year for assistance with plan design, investment due diligence, employee education and communication, and plan benchmarking. With this system your plan will stay up to date, competitive,  and in compliance with all of the latest changes in regulation and industry innovation.

In summary, our service model and the depth of our service team allow us to specialize which, in turn, improves the timeliness and accuracy of the answers you seek. A quick review of our team’s bios reveals longevity dating back to 1984, 1998, 2002, 2008, 2012, and 2013. This type of longevity is quite rare in our industry.  


Here are the some of the services we provide in this area of planning:

  • Proprietary Request for Proposal (RFP) and Vendor Review Process
  • Investment Policy Statement Review and Preparation Assistance
  • Plan Benchmarking for Design Assistance and Fees
  • Option for 3 (21) Fiduciary Services
  • Investment Due Diligence - Qualitative and Quantitative
  • Recording and Filing of all Meeting Minutes
  • Participant Education and Communication
  • Client Relationship Manager Assigned to Each Client
  • Retirement Readiness Education and Analysis
  • Schedule of Fiduciary and Plan Support Services Followed and Updated on a Annual Basis through our proprietary Fiduciary Quality Management Program (FQMP)