Retirement plans built around people—not products.
Independent, commission-free fiduciary guidance for employers, plan committees, business owners and participants seeking a clearer path to better retirement outcomes.
Clarity, efficiency and accountability for your retirement plan.
Fiduciary Capital Management LLC is paid to advise and manage retirement plans. We do not rely on commissions, hidden compensation or product sales. Our role is to help plan sponsors evaluate plan design, investment options, fees and fiduciary responsibilities through a transparent advisory process.
We take the time to understand your organization, workforce and retirement objectives, then develop a practical framework intended to serve both the plan and its participants across changing market environments.
Support for the decisions plan sponsors are expected to make.
Our consulting and investment-fiduciary services can be tailored to the plan’s structure, governance needs and participant population.
Plan Analysis & Design
Review the plan’s current structure and model potential improvements based on organizational objectives and participant needs.
Investment Review
Evaluate investment options using performance, risk, fees, peer comparisons and qualitative manager considerations.
Investment Policy Statement
Assist with development, implementation and ongoing review of an Investment Policy Statement aligned with the plan’s decision-making process.
Ongoing Monitoring
Provide recurring oversight, watch-list analysis and recommendations or implementation support for investment changes, as applicable.
Provider & Fee Comparison
Compare plan services and fees across available providers to help identify costs, service differences and potential efficiencies.
Participant Education
Offer practical education and consulting intended to help participants understand the plan and make more informed retirement decisions.
Choose the level of investment responsibility that fits your governance model.
Fiduciary CM® can support plan sponsors through a collaborative ERISA §3(21) engagement or serve as a discretionary ERISA §3(38) investment manager.
ERISA §3(21) Investment Fiduciary
We provide documented investment analysis, monitoring and recommendations, while the plan sponsor or committee retains final investment authority.
- Investment benchmarking and review
- Watch-list identification
- Fund replacement recommendations
- Committee reporting and documentation
ERISA §3(38) Investment Manager
We accept discretionary authority to select, monitor and replace plan investments as defined by the written engagement.
- Investment selection and implementation
- Ongoing performance and risk evaluation
- Manager due diligence
- Documented investment replacement decisions
Retirement solutions for companies, nonprofit organizations and business owners.
Fiduciary consulting may be provided on an asset-based or flat-fee basis, depending on the scope and structure of the engagement.
From initial review to ongoing oversight.
Our process is designed to create a repeatable framework for evaluating, implementing and documenting retirement-plan decisions.
Understand
Review the organization, participant population, plan objectives and current service structure.
Evaluate
Analyze investments, fees, plan design, governance practices and available alternatives.
Implement
Coordinate agreed-upon recommendations with the sponsor, committee and service providers.
Monitor
Provide ongoing review, reporting and documentation consistent with the engagement.
Let’s review your retirement plan.
Schedule a complimentary video or phone consultation to discuss your current plan, fiduciary responsibilities and opportunities for improvement.
This page is for educational and informational purposes only and is not intended as tax, legal or individualized investment advice. Fiduciary responsibilities and services are defined by applicable law and the terms of the written advisory agreement. Registration as an investment adviser does not imply a particular level of skill or training.
Our Approach to Retirement Plans
At FIDUCIARY CAPITAL MANAGEMENT LLC, we are paid to manage your retirement plan — period.
No commissions. No hidden fees. No product sales.
When you work with us, you work directly with our advisory team. We believe in full transparency across everything we do — our process, our recommendations, and our pricing.
FIDUCIARY CAPITAL MANAGEMENT LLC is a federally registered investment advisory firm. As a Registered Investment Adviser, we are held to a fiduciary standard of care, which requires us to act in our clients’ best interests at all times. Simply put, our clients’ interests come first — always.
Many plan sponsors are accustomed to paying layered fees — annual fees, quarterly fees, and embedded costs — regardless of whether their plan design or investments are truly serving participants. Our approach is different: we focus on clarity, efficiency, and alignment.
Efficient and Optimized Retirement Planning
There are many active and passive strategies available to help optimize retirement plans and 401(k) structures. Our role is to identify and implement strategies that are appropriate for your organization and your participants.
We typically seek a balance between:
- Strategic and practical
- Optimized and diversified
- Sophisticated and easy to understand
Most importantly, we design solutions that work — not just in theory, but for you, your organization, and your employees over the long term and across market cycles.
We invest the time to understand your organization, your workforce, and the lifestyle and retirement goals that shape participant outcomes.
Retirement Plan Services
Our consulting services to corporate retirement plan clients may include:
- Plan analysis, design, and solution modeling
- Comparative analysis of services and fees across multiple service providers
- Assistance with the creation and ongoing implementation of an Investment Policy Statement (IPS)
- Ongoing evaluation of plan investments in accordance with the IPS
- Recommendations for the removal and replacement of investment options, as appropriate
- Serving as a co-fiduciary with respect to ERISA investment selection and monitoring responsibilities
- Comprehensive education and consulting for plan participants
Plan Types We Support
We provide commission-free, fiduciary consulting services on either an asset-based or flat-fee basis for:
- 401(k) plans
- 403(b) plans
- IRAs and IRA rollovers
- Roth IRAs
- Profit-sharing plans
- Defined benefit (pension) plans
- SEP IRAs, SAR-SEPs, and KEOGH plans
- Self-employed (Solo) 401(k) plans
- SIMPLE IRAs
- SIMPLE 401(k) plans
- Executive bonus arrangements
- Deferred compensation plans, including 457 plans