Impact Retirement Advisors

The firm provides fiduciary consulting to employer-sponsored retirement plans, including 401(k) and 403(b) programs, and manages private wealth for individual clients. Its plan-level services cover investment policy design, fund menu construction, fee analysis, recordkeeper benchmarking, and participant education. The firm does not manufacture its own mutual funds or insurance products, which is intended to eliminate conflicts of interest in fund selection.

The name implies a fiduciary posture, and as an RIA the firm is legally bound to a fiduciary standard under the Investment Advisers Act of 1940 when managing client assets or advising on plan-level decisions. However, the specific firm named 'Impact Retirement Advisors' does not appear as a separately registered entity in SEC IAPD records, which suggests it may operate under a parent RIA's registration or rely on state-level registration. A direct inquiry with the firm would be required to confirm the exact legal entity and its regulatory disclosures.

Though no fee schedule is publicly disclosed, firms of this type typically charge plan sponsors a fixed retainer or an asset-based fee applied to plan balances, with the cost either paid directly by the sponsor or deducted from participant accounts. Participant-level managed account services carry a separate advisory fee. The firm's value proposition typically rests on demonstrating fee reductions across plan-level recordkeeping and investment expenses that offset its retainer.

This information is not a matter of public record. Impact Retirement Advisors does not appear to maintain a public website, LinkedIn presence, or ADV filing under this exact name. Absent primary-source confirmation, the identity and credentials of the principals running the investment function remain undocumented in the public domain.

The practice model of a retirement-focused RIA typically extends to participant-level services, including managed accounts, one-on-one consultations, and retirement-readiness assessments. This is a logical extension of the plan-consulting relationship and a frequent source of advisory revenue, but without a Form ADV or website disclosure the exact service mix cannot be confirmed.