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The best way to know if your 401k plan fees and services are reasonable is to objectively compare them against the overall marketplace.


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I am a business owner (or representateive) and want to explore retirement plan options for my company.

401k plans can be complicated..

We designed a 401(k) Toolkit to help you better understand and manage your own plan so that you can make the best decisions when it comes to achieving the goals of your company.

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Is Independent 401(k) Advisors Right For You?

Even when your plan’s investments are top-performers, your employees’ greatest obstacles to success is their own behavior. If the measure of a retirement plan’s success or failure is the ability of its participants to retire with enough money to last them for the rest of their lives, how do most plans measure up?

With a typical 401(k) plan, a participant has less than a 20% chance of success (measured by current funding levels and historical ranges of real investment returns).  That means 80% of your participants are going to fail!  Why?  They are not saving enough money, and their real investment returns are consistently suboptimal.  In a nutshell, they are not following any of the time-tested and successful management techniques followed by sophisticated defined benefit plans.

And where are 401k advisors, consultants, brokers, vendors, record-keepers, and mutual fund companies in all of this?  Since the inception of 401k plans, these players have introduced various features supposedly designed to improve participant success: 

  • Glossy educational materials and campaigns
  • Sophisticated web-sites

An ever-expanding array of investment choices

  • Daily valuations
  • Participant web-sites
  • 24/7 participant access
  • Emailed statements
  • 800 number participant support
  • Lifestyle funds

How have all these features impacted the success rates of the participants?  Shockingly, the 80% failure rate has not improved over the last 2 decades. What can be done to turn your participants’ failure into success? 

You should expect every provider to be good at all things listed above. However, we are different in three ways that significantly raise the success rate of your employees:

  • We focus on a successful outcome for every single participant.
  • We offer fiduciary liability protection for the plan sponsor.
  • We are independent, fee-only, “commission-less” advisors with no conflicts of interest. We never forget that our client is your company and your employees.

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