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

You Already Wear Enough Hats

If you’re running a business, you’re already wearing too many hats.

If adding “401(k) expert” to the list sounds like a terrible idea, you’re in the right place.

Most growing companies (typically 15–150 employees give or take, which is where I do my best work) already have:

• A payroll provider
• A recordkeeper
• Investment options
• Compliance support
• Multiple vendors touching the plan

What they don’t have is one person responsible for how it all works 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. A letter from the Department of Labor. A recordkeeper pitching your employees behind your back.

You call me.

I handle it.

I’m the person who runs point on the entire plan—coordinating vendors, monitoring investments, watching fees, and catching problems before they become expensive ones.

One person. One number to call. One throat to choke when it matters.

Questions I Hear All the Time

“I’m the owner. Should I even participate?”

Usually, yes.

Many owners are leaving meaningful tax deductions and retirement savings opportunities on the table. If participation among employees is low, you’ll often run into testing issues—which usually leads to a Safe Harbor discussion. For many profitable businesses, the math works in your favor.

“What’s this going to cost?”

Usually a flat fee, a per-participant fee, or an asset-based fee depending on the situation.

You’ll know exactly what you’re paying before you commit. If direct billing makes sense, it shows up on an invoice—not buried inside fund expenses where nobody sees it.

“I’ve already got a plan, and it’s a mess.”

Good.

That means there’s something to fix.

Startup, conversion, cleanup, or ongoing oversight—I meet you where you are.

“I’ve done a conversion before. It was a nightmare.”

I hear that a lot.

The good news is that you don’t always have to change providers to improve a plan. Sometimes a conversion is the right answer. More often, there are meaningful improvements you can make before blowing everything up.

“Changing advisors sounds like a lot of work.”

Usually it isn’t.

Many plans already have advisory compensation built into the existing arrangement. In some cases, changing advisors is little more than signing an agreement and completing a form.

The service can change dramatically even when the underlying providers stay exactly the same.

One More Thing

Not every business needs a 401(k).

Sometimes the right answer is to simplify. Sometimes it’s a different type of retirement plan. Sometimes it’s shutting down a plan that no longer makes sense.

Good advice isn’t about forcing a product.

It’s about helping business owners make smart decisions for themselves and their employees.

No call centers.

No finger-pointing.

No one-size-fits-all solutions.

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.