Your 401(k) shouldn’t be a blind spot.
Employee questions. Loan requests. compliance deadlines. Investment concerns. You call us — or tell your employees to call us — and we handle it. Whether your plan is with ADP, Paychex, Guideline, or a legacy insurance provider, someone should be actively overseeing it. We serve as an ERISA 3(21) or 3(38) fiduciary for California businesses — and stay involved year-round, not just at enrollment.
“If your current advisor only shows up when something breaks, you don’t have a partner — you have a liability.”
401(k) plans don’t usually
break down.
They leak oil.
Slowly. Quietly. Until one day you’re wondering why nobody flagged it sooner. Most plan problems aren’t dramatic — they’re a fund that’s underperforming for three years, a fee nobody can explain, or documentation that’s hard to produce when someone asks.
Some plans were set up quickly and never revisited. Others were installed years ago and quietly drifted. Either way, if nobody is reviewing fees, investments, and service on a regular basis, the plan is running on autopilot.
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Your provider’s idea of service is an 800 number and a quarterly statement.
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You’re not sure what you’re paying — or who’s actually getting paid.
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You set up the plan three years ago and haven’t thought about it since.
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Your employees keep asking questions you can’t answer.
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You just got a CalSavers notice and have no idea what it means.
“Running a 401(k) plan is a process, not a transaction. Most advisors treat it like a sale — show up once, collect a fee, disappear.”
Think of the difference between your CPA and going to H&R Block. Both do taxes. Only one actually knows your business, calls you back, and tells you what to do before it becomes a problem. That’s the kind of relationship we’re built for.
Let’s see if we can help →
We don’t just monitor
your plan.
We can show you.
Most advisors review plans informally — a spreadsheet, a phone call, a note in a file. That’s not a system. We built a structured monitoring framework that evaluates every fund in your lineup each quarter — performance, fees, peer benchmarks, and qualitative factors — and documents the decision. When someone asks why a fund is in your plan, there’s an answer. And a record.
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Documented Fund MonitoringEvery fund evaluated on performance, fees, peer benchmarks, and qualitative factors — every quarter, on record.
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Fiduciary Paper TrailEvery decision timestamped and documented. When the DOL asks, you have a substantive answer.
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Client DashboardA real-time view of your plan’s health — not a PDF that arrives 60 days after the quarter ends.
Four situations.
One straightforward process.
We’re in this for
the long haul —
and so are you.
The goal isn’t a transaction. It’s a years-long working relationship where we actually get to know your business, your employees, and your goals. When we call, it’s because something needs your attention — not because we’re trying to sell you something. And when you call us, we pick up.
From first call to running plan — five steps.
Let’s see if we can help you run more efficiently.
Book a free 30-minute call. No pitch, no deck, no follow-up emails unless you ask for them. Just an honest conversation about your plan and whether we’re the right fit.