How We Are Different

Fee-Only • Independent • Fiduciary


We do not receive kickbacks or hidden fees from financial institutions. We work directly for you & advise you on what works best for your situation.


We are an independent financial planning firm. We are NOT a financial sales company tied to a specific investment lineup.


As a fee-only advisor, we are legally bound to be a fiduciary. This gives us the freedom and flexibility to create a plan that works in your best interest.

We're On the Same Side of the Table

We are not beholden to, represent, or get compensated from brokers, mutual funds, or any investment product or company. Our interests are aligned with yours, the Plan Sponsor, and the unified goal of delivering a compliant retirement plan to all employees. After all, the stakes are high.

We Are Your 401K Fiduciary

Fiduciaries Must Act Prudently...

Prudence = following an objective process to:

  • review relevant information;
  • conduct a meaningful comparison; and
  • arrive at a well-informed decision.

If you lack the expertise to do so, ERISA requires you to hire professional assistance.

Fiduciary decisions should be recorded, and certain documents and information must be retained.

Adopting a consistent and repeatable process is the best way to manage risk and save time.

Fiduciary Responsibilities Include...

  • acting solely in the interest of the participants and their beneficiaries;
  • acting for the exclusive purpose of providing benefits to workers participating in the plan and their beneficiaries, and defraying reasonable expenses of the plan;
  • carrying out duties with the care, skill, prudence, and diligence of a prudent person familiar with the matters;
  • following the plan documents; and
  • diversifying plan investments.

What are 3(38) Fiduciary Services?

Fiduciary Retirement Services’ investment advisory team takes on full responsibility for selecting and monitoring your company’s 401(k) investments.

We’re an independent advisor to ensure we stay conflict-free as we work with you to find the right recordkeeper and investments. We believe if you hire an investment advisor for your 401(k) plan, that investment advisor should take the liability and fiduciary responsibility for the investment advice given on the plan. Not the employer, and not employees.

We put your employees’ interests first as we select, monitor, and manage the investment options in your 401(k) plan. And we put in writing all of the liability we assume on your behalf.


The Fiduciary Retirement Services Difference is Clear

01.   Fee-Only

There are major differences in 401k plan advisors. Some work for you and your employees (most importantly). Others work for Wall Street.

02.    Fiduciary

We take on the work & liability for investments as a 3(38) Investment Fiduciary. We put your employees’ interests first to select, monitor, and manage the investment options in your plan.

03.   Real Financial Planning Firm

We are not a financial sales company. We do not directly sell any financial instrument or product - we only work for what is in your employees' best interest.

04.   Educational in Nature

Unlike other 401k management services, we take the time to help you understand the advice that is in your best interest. We are proud of our personalized touch.