Retirement Plan Fiduciaries

Retirement Plan Fiduciaries

Retirement Plan Fiduciaries was established in Austin, Texas in 2012 to serve as an independent fiduciary for corporate retirement plans. The firm's structural identity is defined by ERISA — it assumes co-fiduciary status under sections 3(21) and 3(38) of the Employee Retirement Income Security Act, meaning it takes direct legal responsibility for plan investment selection, monitoring, and documentation rather than simply providing non-discretionary advice. This posture markets directly to plan sponsors seeking to mitigate the personal liability that comes with overseeing employee retirement assets. The firm's investment process covers the full lifecycle of a qualified retirement plan: investment policy statement creation, fund menu construction and monitoring, quarterly performance reporting, and participant fee benchmarking. Asset classes under review typically span core fixed income, domestic large-cap equity, mid- and small-cap equity, international developed and emerging markets, and target-date fund series — the building blocks of a standard 401(k) lineup. While the firm does not publish a specific client list, its regulatory filings confirm it advises both defined-contribution plans and profit-sharing pools. Its service model is built on recurring engagements where it reviews and replaces underperforming fund options, often recommending institutionally priced share classes or collective investment trusts to reduce plan costs (public record, Form ADV filings). Scale metrics remain opaque — headcount and regulatory assets under management are not publicly disclosed, consistent with a boutique RIA operating below SEC thresholds that would trigger granular public disclosures. The firm's footprint is concentrated in Central Texas, with no additional office locations on record. It is not known to maintain adjacent vehicles such as a philanthropic foundation, wealth management division for individuals, or a separate private capital arm. The firm's 2024 Form ADV filing confirms it continues to serve as a qualified plan fiduciary without a material change in its control person or advisory business description (public record). The structural differentiator is binary: Retirement Plan Fiduciaries does not sell proprietary investment products and does not earn commissions or 12b-1 fees on the funds it recommends. The revenue model is fee-only and fully disclosed to the plan sponsor. This eliminates the conflicted advice problem embedded in many retirement-plan advisor relationships — where the advisor is also a broker selling the plan's own fund platform. For a plan sponsor facing ERISA litigation risk, that independence is the firm's defining operational feature.