For businesses sponsoring retirement plans, and for individuals making the most of the plans they're in.
Retirement plans serve two audiences: the businesses that sponsor them and the individuals who participate in them. We work with both, though the work looks quite different depending on which side of the table you're sitting on.
Sponsoring a 401(k), 403(b), or other qualified retirement plan carries significant fiduciary responsibility. Business owners and HR leaders are often unaware of the full weight of that responsibility and the personal liability that can follow from gaps in process or oversight.
Our clients are united by something deeper than wealth a desire to live intentionally, to plan with care, and to leave more behind than just a balance sheet.
Serving as a 3(21) or 3(38) fiduciary, sharing or assuming the responsibility of investment selection and monitoring.
Working with you, your recordkeeper, and your third-party administrator to ensure your plan's structure matches the goals of the firm.
Designing thoughtful, well-diversified investment lineups appropriate to the participant population.
Regularly reviewing plan costs and investment expenses to ensure participants are paying reasonable, market-appropriate fees.
Helping your employees understand and engage with the plan.
For individuals particularly executives, professionals, and business owners the 401(k) is one of the largest retirement assets you'll build over a career. How you use it, how you invest it, and how you coordinate it with the rest of your financial life makes a meaningful difference.
Our clients are united by something deeper than wealth a desire to live intentionally, to plan with care, and to leave more behind than just a balance sheet.
Reviewing contribution levels, investment selections, and beneficiary designations in the context of your broader plan.
Decisions around rolling over old 401(k)s, when to consolidate, when to leave assets where they are, and the tax implications of each path.
How the 401(k) fits into your overall income strategy, withdrawal sequencing, and tax planning across retirement.
For individuals with traditional pension benefits, the decisions around when to take the pension, whether to take a lump sum or annuity, and how to coordinate the income with other retirement sources are some of the most consequential financial decisions of a career. They are also, often, irrevocable.
We model these decisions carefully, accounting for life expectancy, tax situation, survivor benefits, and the broader plan — so you can make the choice with full information and confidence.
Every meaningful partnership begins with a single, honest conversation, the first step of a long road traveled together.
Financial planning and wealth management for the life you're building. An independent, fiduciary firm in Southport, Connecticut, walking alongside individuals, families, and business owners.
