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Retirement Plan Advisors

Fragasso Retirement Plan Advisors focuses exclusively on employer-sponsored retirement plans.  We deliver comprehensive plan objectives.  As a fiduciary consultant, the guidance that we provide to plan participants and sponsors takes a complex world and it makes it easy to understand.

Comprehensive Retirement Plan Management

Our retirement plan clients achieve their strategic goals with Fragasso's help as together we keep both the company's and the participant's priorities in balance. You may think other firms do this too. So what makes us different?

Retirement plan sponsors have a tremendous responsibility to provide their employees with a retirement plan that maximizes the benefit to the participants while at the same time working efficiently for the company as a whole.

Fragasso Retirement Plan Advisors specializes in delivering comprehensive retirement plan services to assist plan sponsors in meeting their goals and objectives. We are a registered investment advisor. That means we adhere to a fiduciary standard of care requiring us to service the client’s best interests at all time.  We select appropriate investments through quantitative and qualitative research and then blend the selected investments to achieve an appropriate risk/return profile for your goals and risk comfort.  We assist with the selection of appropriate investments through quantitative and qualitative research and then blend the selected investments to achieve an appropriate asset class/fund selection. Your plan receives the benefit of our on-going management expertise, including quarterly reporting. (Registration does not imply a certain level of skill or training, nor any regulatory endorsement or approval of our investment advisory services.)

As a fiduciary consultant, the guidance that we provide to plan participants and sponsors takes a complex industry and makes it easier to understand, without concern for proprietary products or guidance that does not fit your organization’s goals.

Behavior-Based Employee Education

More than one in four employees has reported that issues with personal finances have been a distraction at work. 39% say they spend three hours or more per week thinking about or dealing with issues related to their personal finances.1

We firmly believe informed employees make better decisions and have a better chance at achieving their personal financial goals. That often translates into employees who are more productive in the workplace. So we take a behavioral approach to educating your workforce, analyzing your employees’ savings and investing behaviors in order to customize our enrollment and education process to fit their unique needs.

12014 PCW Employee Financial Wellness Survey

Total Plan Management Approach

We believe in total plan management, which involves five key components:

1 Plan Design Consulting

Professional advice across plan design and implementation that addresses both qualified and non-qualified programs providing advice on product and plan trends.

Plan Expense Analysis

Periodic reviews to ensure investment related fees, compensation and plan expenses are fair and reasonable for the service levels provided.

Investment Selection and Review

Total flexibility to choose and monitor the investments that look to maximize return while minimizing risk with unbiased recommendations to enable sound choices.

Participant Education

Establish personalized and on-going education strategy, tailored toward plan objectives and based upon employee needs.

Fiduciary Review

Initial and on-going process of reviewing the organizations effectiveness in meeting its fiduciary responsibilities.  Evaluates risk and establishes a procedural framework.

Does Your Plan Check Out?

Here are five questions that should help you determine whether your organization’s current financial planning structure is the right fit for your strategic goals.

  1. Is the design of your plan aligned with established goals?
  2. Have you benchmarked your retirement plan fees?
  3. Do you have continual investment review?
  4. Do you have ongoing, engaging employee retirement plan education?
  5. Do you have a fiduciary in place for your retirement plan?

If you are unsure of the answers to any of these questions, contact us today.

Local Company Owner Enhances Retirement Program

An owner of a local company with 25 long-term employees had a 401(k) plan with a low-cost provider.  His plan providers, third-party administrators and even his financial advisor neglected to provide on-site services.

Read more

Advisors Who Know Retirement Plans

Our Retirement Plan Advisors staff has the knowledge and experience needed to guide our retirement plan clients toward their strategic goals. Our role is to ensure you are able to focus your efforts on running your business, rather than fielding questions from employees on how to invest and worrying whether your company's plan is structure properly.

Meet the Portfolio Management Team Behind Your Plan

Our clients’ portfolios are managed in accordance with a clear and transparent Investment Policy Statement and Guidelines. Very differently from many other investment firms, our portfolios, while structured to meet individually crafted goals, are managed centrally and uniformly by our multi-person, credentialed Portfolio Management Department. The portfolio management team collaborates with the Fragasso Investment Committee to ensure our clients receive the best collective advice for their portfolios.

You like what you've seen. What's next?

Whether you are thinking about adopting a retirement plan for your company or realize that a closer look at your current plan is prudent, Fragasso Retirement Plan Advisors can help. As a registered investment advisor with the ability to act as a co-fiduciary, we can assess your situation and objectively advise you on how to meet your organization's goals and objectives. (Registration does not imply a certain level of skill or training, nor any regulatory endorsement or approval of our investment advisory services.)

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