The Retirement Planning Company of New England

The firm operates through an internal investment committee, which maintains discretion over fund selection and model portfolio construction for its retirement plan clients. No individual portfolio managers are publicly named, as is common for this class of regional plan-focused RIA. Plan sponsors hire the firm as a 3(38) or 3(21) fiduciary, depending on the engagement, delegating investment responsibility at the entity level.

As a local Massachusetts-based RIA, the firm acts as a fiduciary intermediary between plan sponsors and national recordkeepers and custodians. Unlike bundled providers that are the recordkeeper themselves, The Retirement Planning Company of New England can select the recordkeeping platform independently and negotiate pricing on the plan sponsor's behalf. Its value proposition rests on local service and independent, conflict-free fund selection rather than captive distribution of proprietary funds.

The firm's public-facing materials focus exclusively on institutional retirement plan advisory and administration. No retail or private wealth management services are advertised for individual employees or high-net-worth clients. Plan participants receive education and managed account services only within the context of their employer's sponsored plan.

The firm services ERISA-qualified defined contribution plans, predominantly 401(k) and profit-sharing plans. Given its small-to-midsize employer focus, the firm likely also administers Safe Harbor 401(k) designs and SIMPLE IRAs for very small sponsors, though its product coverage is not publicly itemized beyond qualified plan references.

The firm's stated model revolves entirely around liquid mutual fund and collective trust lineup management for defined contribution plans. There is no public indication of participation in private equity, venture capital, hedge fund commitments, or direct real asset co-investments. Its posture is institutional plan design and monitoring, not alternative asset allocation.