Retirement Collaborative

Retirement Collaborative serves plan sponsors exclusively. The firm's practice is built around employer-side fiduciary consulting — plan design, investment committee governance, recordkeeper benchmarking, and compliance support — rather than retail wealth management for individual participants. This separation is intended to avoid the conflict of interest that arises when an advisor uses the plan relationship to prospect for private-client assets.

The firm's disclosures and public filings likely indicate capacity to serve as either an ERISA 3(21) fiduciary — making recommendations that the plan committee retains authority to approve or reject — or a 3(38) investment manager with full discretionary authority over plan investment selection and monitoring. Specific client agreements vary by engagement.

The firm's platform is structured around qualified defined-contribution plans, predominantly 401(k) and 403(b) arrangements for private-sector employers, nonprofits, and some public-education entities. The firm also has exposure to defined-benefit plan consulting, cash-balance plan transitions, and non-qualified deferred-compensation plan design for executive cohorts.

The firm runs competitive RFP processes on behalf of plan sponsor clients, benchmarking incumbent recordkeeping and administrative fees against a peer-set universe of providers. This typically includes evaluation of bundled versus unbundled service models, revenue-sharing transparency, and participant-level fee allocation methodologies, all documented for ERISA 408(b)(2) compliance.

Retirement Collaborative designs participant education programs focused on enrollment mechanics, deferral-rate optimization, and asset-allocation defaults such as qualified default investment alternatives. The objective is structural improvement in plan-level metrics — participation rate, average deferral percentage, and leakage reduction — rather than individualized financial planning.