Retirement Plans Built Around Fiduciary Responsibility
Fiduciary Capital Management LLC works with employers and plan sponsors to help design, review and manage retirement programs with an emphasis on transparency, prudent process, appropriate investment oversight and participant outcomes.
Our Retirement Plan Focus
- Independent fiduciary guidance
- Plan design and investment oversight
- Investment selection and monitoring
- Service-provider and fee review
- Participant-focused retirement outcomes
- ERISA 3(21) and 3(38) fiduciary services
Our Approach to Retirement Plans
At Fiduciary Capital Management LLC, retirement plan advice begins with the needs of the plan, its participants and the plan sponsor. Our process is designed around fiduciary responsibility rather than product sales.
We work directly with plan sponsors and committees to evaluate plan structure, investments, costs, service providers and fiduciary processes. Recommendations are intended to be understandable, documented and aligned with the plan’s objectives.
Fiduciary CM® is an investment adviser registered with the U.S. Securities and Exchange Commission. When providing investment advisory services, the firm is subject to a fiduciary standard.
Efficient and Optimized Retirement Planning
Retirement plans should reflect the employer’s workforce, objectives, budget and fiduciary responsibilities. We help plan sponsors evaluate the structure and services that may best support those goals.
Strategic Plan Design
Evaluate plan structure, participation objectives, employee demographics and retirement-plan goals.
Investment Oversight
Establish a disciplined process for evaluating, selecting and monitoring investment options and related expenses.
Documented Fiduciary Process
Help establish repeatable procedures intended to support prudent fiduciary decision-making and ongoing plan governance.
Retirement Plan Services
- Plan analysis, design and solution modeling
- Comparative analysis of services and fees
- Investment Policy Statement assistance
- Ongoing investment evaluation and monitoring
- Investment-menu recommendations
- Service-provider benchmarking
- Plan committee consultation
- Participant education and communication support
Fiduciary Oversight
- Investment selection and monitoring process
- Periodic investment reviews
- Fee and expense analysis
- Plan-governance support
- Coordination with recordkeepers and administrators
- Plan committee process support
- Documentation of fiduciary review activity
Plan Types We Support
Fiduciary CM can consult on a variety of employer-sponsored retirement programs and related retirement-plan arrangements.
ERISA Fiduciary Services
3(21) Investment Fiduciary
Fiduciary CM may provide investment recommendations and fiduciary support while the plan sponsor or designated committee retains final decision-making authority.
3(38) Investment Manager
When agreed upon in the advisory engagement, Fiduciary CM may assume delegated investment-management responsibility within the scope of the firm’s appointment.
A Retirement Plan Should Work for the People It Serves
Retirement-plan decisions can affect employees for decades. Our objective is to help plan sponsors maintain an efficient, understandable and documented retirement-plan process.
That includes evaluating investments, expenses, service providers, governance practices and participant outcomes over time.
- Independent investment-advisory perspective
- Clear documentation and review process
- Attention to plan expenses and investment quality
- Coordination with existing plan professionals
- Support for plan committees and fiduciaries
- Focus on long-term participant outcomes
Let’s review your retirement plan.
Schedule a complimentary video or phone consultation to discuss your current plan, fiduciary responsibilities and opportunities for improvement.