# Cerity Partners Retirement Plan Advisors

Cerity Partners Retirement Plan Advisors is a Bank / Wealth / Trust based in New York, United States.

## Overview

- **Organization type:** Bank / Wealth / Trust
- **Headquarters:** New York, United States
- **Region:** North America
- **Address:** Cleveland, OH, United States
- **Founded:** 2009
- **Assets under management:** Undisclosed
- **Website:** ceritypartners.com

## About

Cerity Partners Retirement Plan Advisors is a wealth management firm based in New York, US. It focuses on retirement plan advisory services in North America.

## Questions

### What is the relationship between Cerity Partners Retirement Plan Advisors and Cerity Partners?

The retirement plan advisory unit is a dedicated division within Cerity Partners, the parent registered investment advisor. It draws on centralized compliance, research, and technology infrastructure while operating as a specialist group focused exclusively on employer-sponsored retirement plans. The parent firm expanded significantly via M&A, integrating regional advisory teams into a national partnership structure.

### Does Cerity Partners Retirement Plan Advisors serve as an ERISA 3(21) or 3(38) fiduciary?

The division offers both ERISA 3(21) and 3(38) fiduciary services, depending on the plan sponsor's preference and the specific engagement agreement. Under 3(38) arrangements, the advisor assumes full discretionary responsibility for investment selection and monitoring. Most engagements are structured on a fee-for-service or asset-based advisory fee model negotiated at the plan level.

### Does the division manage plan assets on a discretionary basis?

In most standard engagements, the division acts as a non-discretionary fiduciary adviser, providing investment recommendations that the plan sponsor or committee must approve. Discretionary management is available under ERISA 3(38) engagement terms where the sponsor delegates ongoing investment selection and monitoring authority to the adviser.

### How does the parent firm's M&A history affect retirement plan clients?

Cerity Partners grew through acquiring established advisory practices, which means the retirement plan division includes professionals who joined via legacy firms. The parent's centralized investment research, compliance infrastructure, and institutional service model apply uniformly to plan sponsor clients. The acquisition strategy has expanded the division's geographic coverage and deepened its specialist bench without altering the fiduciary service model.

## Related profiles

- [Ceres Asset Management](https://altss.com/profile/ceres-asset-management)
- [Certus Wealth Advisors](https://altss.com/profile/certus-wealth-advisors)

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Last updated: 2026-06-03T20:00:00.000Z

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