# Retirement Consulting Group Retirement Consulting Group is a Bank / Wealth / Trust based in Lake Oswego, United States. ## Overview - **Organization type:** Bank / Wealth / Trust - **Headquarters:** Lake Oswego, United States - **Region:** North America - **Address:** 5 Centerpointe Dr., Suite 400, Lake Oswego, Oregon 97035 - **Founded:** 1997 - **Assets under management:** Undisclosed - **Website:** retirementconsulting.com - **LinkedIn:** https://www.linkedin.com/company/retirement-consulting-group-inc. ## Regulatory record - **CRD number:** 311184 - **SEC file number:** 801-119724 - **Registration status:** Registered - **Reports private funds:** No - **IAPD record:** https://adviserinfo.sec.gov/firm/summary/311184 ## About Retirement Consulting Group was founded in 1997 and is based in Lake Oswego, Oregon. The firm registered under the Investment Advisers Act of 1940 and built its practice around corporate plan sponsors who need independent fiduciary support rather than wirehouse distribution. The business runs on a repeatable architecture: plan design, ongoing investment monitoring, participant education, request-for-proposal management, and fee benchmarking — each delivered through a proprietary technology stack that includes licensed branding from RPAG. The firm acts as a plan-level fiduciary, not a discretionary asset manager. Its core mandate spans 401(k) and defined-benefit retirement plans, with a separate private wealth management service line for the executives who oversee those plans. Asset-class coverage flows through the plan menu rather than a house portfolio — the firm benchmarks existing lineups, runs provider RFPs, and layers in fiduciary compliance tools. Fee benchmarking runs on Broadridge’s Fee Benchmarker, giving plan sponsors a third-party snapshot of cost competitiveness. RCG does not publish a manager list, but its materials reference Broadridge and RPAG as integrated vendors. No AUM, team headcount, or geographic footprint beyond Lake Oswego is publicly disclosed. The firm operates from a single office at 5 Centerpointe Drive and serves clients nationally under the Investment Advisers Act. No adjacent philanthropic vehicles, club memberships, or spinout entities are identified in its filings or website. RCG’s structural distinction is a pure embedded-fiduciary model: it does not manufacture investment products or sell proprietary funds, and its revenue comes from advisory fees tied to plan governance rather than asset gathering. That architecture makes it a compliance-first partner for plan sponsors who need documented fiduciary process rather than performance alpha. ## Questions ### Does Retirement Consulting Group act as an ERISA 3(21) or 3(38) fiduciary? RCG describes itself as a fiduciary to plan sponsors and uses the licensed Fiduciary Briefcase suite from RPAG to document compliance. The firm does not explicitly state whether it accepts 3(38) investment-manager discretion on its website; commercial registered investment advisors of this type most commonly operate under a 3(21) co-fiduciary model, where they recommend and the plan sponsor retains final authority. The distinction matters for liability allocation, and a plan sponsor should confirm the engagement letter's specific fiduciary status. ### What is the relationship between Retirement Consulting Group and RPAG? RCG licenses RPAG’s fiduciary technology stack, which includes Fiduciary Briefcase, Fiduciary Diagnostic, Fiduciary Investment Review, Scorecard System, PlanFees Prism, and Provider Analysis. RPAG — part of Hub International — is a practice-management and fintech platform that independent retirement plan advisors use for reporting, benchmarking, and compliance documentation. RCG does not appear to have an ownership link to RPAG; the trademarks are used under license to deliver client-facing deliverables. ### Which fee-benchmarking tool does the firm use, and is it independent? RCG uses Broadridge’s Fee Benchmarker to compare a plan’s costs against a peer universe. Broadridge is a publicly traded financial-services infrastructure provider, and the tool pulls from a large, anonymized database of plan fees. While the tool is independent of any single recordkeeper, the benchmark output depends on the peer group selected, so the sponsor should review the comparison set in each report. ## Related profiles - [Retirement Advisors](https://altss.com/profile/retirement-advisors) - [Retirement Corporation of America](https://altss.com/profile/retirement-corporation-of-america) --- Last updated: 2026-06-03T20:00:00.000Z Canonical page: https://altss.com/profile/retirement-consulting-group Maintained by Altss — https://altss.com — methodology: https://altss.com/methodology