About Us

Our Mission

We champion a life of dignity and long-term independence by being a premier source of trusted financial advice.

Our Why

An Advisor’s Blind Spots Can Leave You Vulnerable

The Problem

Advisors can offer products and services they have little or no experience providing. For example, nearly 93% of retirement plan sponsors work with an advisor (i). However, less than 8% of advisors have more than ten (10) retirement plan clients (ii). The real danger is when a client relies on an advisor’s experience, and the advisor doesn’t know their ignorance.

Our Solution

Our focus on retirement plans and executive retirement allows you to focus on your role.

An Advisory Firm’s Size Should Not Replace Structure

The Problem

Recommendations generally come from individuals and small teams. 58% of Financial Advisors have a "solo" practice, and the remaining 42% work in a small team (iii). The employee count of a financial service firm will not provide an advantage when there is a superficial understanding of a specific financial strategy. Financial services companies should have the proper infrastructure, not just the licensing to offer their services.

Our Solution

Our processes enhance service rather than replace human interaction.

Loyalty Should Lead to Action

The Problem

Advisors acting as fiduciaries have a duty of loyalty. In a 2022 Fidelity survey, 47% of plan sponsors indicated they are considering replacing their advisor (iv). The move is due to increased expectations of the advisor. We believe this helps confirm a general lack of proactivity from many advisors. Not all providers are fiduciaries. Know who has a duty of loyalty and hold them accountable.

Another common issue is people sometimes believe they will save money by going directly to the investment provider or the recordkeeper rather than involving a financial professional. This idea can be warranted when an individual is an expert and the value of their time justifies the time needed to remain proficient. However, we see issues when retirement plans are overpriced and out of compliance. We’ve also seen many unbalanced investment portfolios with no advisor. These issues are often due to someone with little experience trying to save money.

Our Solution

Our independence allows us to focus on our clients without compromising incentives. Our servicing model gives us the structure to promote a company culture that consistently promotes client loyalty.

(i) NAPA. (2019, August 29). 401(k) Sponsors Look to Advisors for Help with Plan Improvements. Retrieved from NAPA-net. (ii) Estimates based on ISSMI Market Intelligence. (2021). BrightScope Update 2021.(iii) Financial Services Institute. (2022, January 31). FSI and Broadridge Release Study Highlighting Independent Advisor Growth Opportunities. Retrieved from Financial Services Institute. (iv) Fidelity. (n.d.). 2022 Plan Sponsor Attitudes Survey. Retrieved from Fidelity Institutional