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