Palmetto Retirement Specialists, LLC

The firm's investment decisions are made by its credentialed professionals, who serve as fiduciaries under the Investment Advisers Act. Specific named principals are not publicly disclosed. The firm selects mutual funds and other investments from open-architecture platforms rather than proprietary products.

Yes. As a fee-only RIA, Palmetto is a fiduciary to its clients under the Investment Advisers Act of 1940. This means the firm must act in clients' best interests, disclose any conflicts, and provide advice suitable for each plan. The firm states this as its core commitment.

The firm designs and manages 401(k), 403(b), profit-sharing, and non-qualified deferred compensation plans. It works with both small businesses and mid-market employers, providing plan design, provider due diligence, participant education, and ongoing compliance monitoring.

No. The firm uses open-architecture platforms to select mutual funds and other investments for client plans, avoiding conflicts from proprietary products. This aligns with its fidcuiary duty and allows flexibility in plan design.

The firm is based in South Carolina and primarily serves clients in the southeastern United States. Its focus remains on local employers and high-net-worth individuals within that region.