Your provider says everything’s fine.
Your gut says otherwise.

If you’re running a business, you already wear too many hats. Adding “401(k) expert” to the list? No thanks.

Most growing companies — I work best with plans between 20 and 100 participants — already have:

• a payroll provider
• a recordkeeper
• investment options
• compliance support
• multiple vendors touching the plan

What they don’t have is one person actually responsible for how it’s all working together.

Who’s running point on the 401(k)? HR? Payroll? Your advisor? Your TPA? You?

That’s where I come in.

Hardship request. Loan issue. Audit prep. Payroll problem. Vendor finger-pointing. Participant confusion. Notice from the DOL. Recordkeeper pitching your employees on something behind your back.

You call me. I handle it.

I’m the person who runs point on the whole thing — coordinating vendors, watching fees, monitoring investments, and catching problems before they become bigger ones. One person. One number to call. One throat to choke when it matters.

A few things I get asked a lot:

“I’m the owner. I don’t want to participate — should I?” Usually you should, and you’re probably leaving a real deduction on the table. With 30 people and only half deferring, you’ll trip the testing — which is a safe harbor conversation, and for most profitable owners the math works in your favor.

“What’s this going to cost?” I typically charge a flat fee — per participant, or a percentage of assets based on what makes the most sense. Your bill shouldn’t balloon just because the account balances grew. You’ll know the number before you commit, and if direct billing makes sense it goes on an invoice, not buried in your fund expenses where you’ll never see it.

“I’ve already got a plan and it’s a mess.” Then we fix what you’ve got. Startup, conversion, or cleanup — I meet you where you are.

And here’s something most advisors won’t tell you: not every business needs a 401(k). Sometimes the right answer is to simplify, change direction, or shut a plan down entirely. Good advice isn’t about forcing a product. It’s about helping you make smart decisions for your business and your employees.

No call centers. No finger-pointing. No one-size-fits-all.

Just judgment, ownership, and accountability.

Services include:

• 401(k) and Profit Sharing Plans

• Defined Benefit and Cash Balance Plans

• Startups, Conversions, or Plan Reviews

• Bundled, Unbundled, or “Let’s-fix-what-you’ve-got” Solutions

• TPA oversight or full plan design and administration

Whether you’re building from scratch or fixing a mess someone else left behind, we’ll meet you where you are—and help you get where you need to be.