401(k) Plan Consulting

401(k) Plan Consulting

My 401(k) consulting services are provided as a level-fee financial advisor as defined by the Department of Labor in their new Fiduciary Rule.

401(k) Services

  • Build a template for your company’s 401(k) or ERISA 403(b) plan that produces plan-specific investment recommendations and reports as well as fee and compliance reports all of which are now required by the government.
  • Provide investment advice to plan participants, encourage them to take an online risk profile assessment we can use them to re-balance their account or allocate their contributions.
  • For companies without a retirement plan, I size up and help implement the one (401(k), Profit-Sharing, 403(b), SIMPLE, SEP, Solo 401(k)) that works bets for your company.
  • Service your company’s life and disability plans and design executive carve-outs as needed.

Helpful Forms

How Effective is Your Plan Management Process? (PDF)

Fiduciary Audit File Checklist (PDF)

Sample Retirement Plan Due Diligence Report

ERISA 404c Checklist (PDF)


DOL Fiduciary Rule Put on Hold

The 5th Circuit Court of Appeals ruled on March 15 that the Department of Labor overstepped its bounds in creating the so-called fiduciary rule, parts of which went into effect last year.

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The Department of Labor (DOL) Financial Advisor Proposal

The Fiduciary Rule applies mostly to private sector retirement plans, such as 401(k)s, SEPs, SIMPLEs, and 403(b) plans that fall under ERISA. The administration believes the rule is needed because conflicts of interest are causing 401(k) participants and IRA owners to pay higher fees, resulting in smaller account balances.

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