Florin Pensions

Florin Pensions

Founded in 2012, Florin Pensions set up in San Francisco as a specialist focused on employer-sponsored retirement plans. The firm advises plan sponsors on fiduciary responsibilities, investment policy statement design, and the ongoing monitoring of plan investment lineups. Its work sits at the intersection of institutional consulting and regulated retirement plan administration, serving companies that sponsor 401(k), 403(b), and defined-benefit pension structures. Florin Pensions structures its advisory work around open-architecture investment menu construction and fiduciary oversight. The firm evaluates and recommends investment managers across asset classes typically found in retirement plan lineups — including domestic and international equity, fixed income, target-date funds, and stable value products — rather than operating as a discretionary asset manager. Its role is consultative and plan-level, not a direct investment management mandate. The firm does not publicly disclose individual manager recommendations or plan-sponsor client names. The firm operates from a single San Francisco location. Principal ownership and team size are not publicly disclosed. Florin Pensions does not appear to operate adjacent wealth management practices, family office services, philanthropic structures, or co-investment clubs. It presents as a focused consultancy serving the qualified retirement plan market, a niche that carries specific regulatory obligations under ERISA. Structurally, Florin Pensions differs from most San Francisco-based financial firms by avoiding private wealth or venture capital entirely. Instead, it operates as a pure retirement plan advisor, a model that depends on recurring advisory relationships with plan sponsors rather than asset-gathering or carry-based economics. This posture subjects the firm to a different regulatory framework and a different playing field, where competition comes from established retirement consulting practices and recordkeeper-aligned advisory units rather than RIA aggregators or private banks.