Reduce your fiduciary burden and workload

Ask us how

The retirement plan is an extension of company culture and an integral part of the benefits package. We reduce your fiduciary burden and workload of the plan and help you position your retirement plan into a strategic business asset.

When growing organizations need assistance with their employee retirement plan, they come to us. Retirement Planology is a consulting and investment advisory firm that navigates organizations to smart decisions on their employee retirement plan. Plans are complicated and highly regulated at every twist and turn. As your navigator and investment fiduciary, we help map out investment decisions, hiring providers, plan features, engaging employees, and taking work off the plan sponsor's plate. Rely on us to keep the plan in alignment with your organization's goals.
Inventive problem-solving is the difference we bring to our clients day in and day out. Why? Because government regulations, financial budgets, talent retention/acquisition, and growth strategy all compete for resources. Without measured review and innovation, your retirement plan can suck up resources without adding value, and leadership can be blindsided. This is where we come in, to navigate the path forward and to optimize the plan for the specific needs of the organization.
We sell advice and expertise, not products. It's time to get answers -- not the runaround, and it's time to stop the overwhelm and get back to doing your regular job. You need someone giving advice about the warning signs and how to fix them so you can focus on other things. You know you need to offer the same benefits as competitors, but within your budget constraints. And, you need your employees to have resources for making better decisions. We navigate the regulations for you, share fiduciary investment liability, and advocate on your behalf. Your job is to take care of your people. It's our job to take care of your plan.

FAQs

Our clients are privately held businesses and non-profits with between 12 and 2500 employees. They all have a need for aligning their retirement plan with their company culture, getting assistance in meeting their fiduciary responsibilities, offloading work associated with the plan, and they often find us when there has been or is about to be a change occurring in their business or they are looking for a more knowledgeable advisor.
We do innovation and change. If you feel good about what you have already, your c-suite culture is DIY, the plan is only in place because “it has to be,” you want a group that doesn’t look holistically at the plan and your organization, or you don’t need help bridging the gap between the abstract and the practical, then we’re not for you…and it’s totally ok! We don’t expect to be everyone’s ideal cup of tea.
Yes.
"Plans are complicated, regulations change all the time, and I have other things to do."
"We're experts in our field, but sometimes we don't know what we don't know about your field."
"I want to take work off of my plate -- I get so caught up in the weeds and regulatory issues. We just want someone to make the strategic decisions, guide us in line with our corporate values, and make this process simpler."
"We want to share the liability for choosing the investments with an expert."
"We want someone else to drive a thoughtful discussion, help us consider things we haven't before, and tell us what's going on everywhere else."
"I want my advisor relationship to be based on advice, not products."
"A 401(k) or other retirement plan is a business necessity to the typical plan sponsor, but not a business priority. Yet the sponsor’s status as a fiduciary gives it a nearly unprecedented level of authority and responsibility, and rare is the sponsor who thoroughly understands this responsibility, consistently fulfills it, and can prove through documentation that it has done so."
- Certified Plan Fiduciary Advisor materials, National Association of Plan Advisors
"Whether knowingly or cloaked within a shroud of ignorance the plan administrator accepts the task of performing to a standard of care that is the highest level defined by law -- the fiduciary standard of care under ERISA...The spectrum of knowledge required of retirement plan committee members is wide, encompassing law, regulation, asset allocation, investment theory, human behavior, and actuarial concepts."
- Steff C. Chalk, executive director of The Retirement Plan Advisor University and The Plan Sponsor University.

When organizations need advice on their employee retirement plan, they come to us.

Administering your company's retirement plan is a complex process. Regulatory and fiduciary requirements can make seeing the bigger picture difficult. That's where we come in. We navigate the regulations for you, share fiduciary liability, advocate on your behalf with vendors, and help your employees. As a result, it's easier to align your company's retirement plan with your values and save time, money, and effort.

Retirement Planology, Inc is committed to providing advice, not a menu of products. We believe this approach gives you and your employees the most value. We always serve as a fiduciary, under either ERISA 3(21) or ERISA 3(38). Scroll down to learn more about our services.