Intellicents Investment Solutions

Intellicents provides retirement plan consulting for employer-sponsored 401(k) and 403(b) plans, including fiduciary services under ERISA Section 3(21) or 3(38). It also manages individual wealth portfolios, typically for plan participants rolling assets out of employer plans. The firm constructs investment lineups using third-party mutual funds, ETFs, and collective investment trusts rather than proprietary products.

As a registered investment adviser, Intellicents holds fiduciary duty to its advisory clients. When engaged as a 3(38) investment manager for retirement plans, the firm assumes full discretionary responsibility for plan investment selection and monitoring, which is the highest fiduciary standard under ERISA. The specific engagement level varies by client agreement.

The firm's client base is concentrated in the Upper Midwest, particularly Minnesota, Iowa, Wisconsin, and the Dakotas. Intellicents has built its book organically in middle-market communities where regional relationships carry more weight than national brand recognition. It is not known to pursue aggregator-driven M&A or national marketing campaigns.

Intellicents is not known to allocate client capital to private equity, venture capital, or hedge fund strategies. Its public profile and regulatory disclosures orient entirely toward liquid, publicly traded securities through mutual funds, ETFs, and collective trust structures appropriate for retirement savers rather than institutional limited partners.

Compensation is not publicly itemized, but is typically a mix of plan-level fees — either flat retainer or asset-based — for retirement plan advisory, and asset-based fees on individually managed accounts. The firm does not manufacture or distribute proprietary funds, which reduces the embedded conflict common in bank-owned advisory platforms.