A proven three-phase approach designed to take the weight off your shoulders, protect you from liability, and deliver a retirement plan your employees deserve.
Our process isn't a one-size-fits-all checklist. It's a meticulous, technology-driven methodology developed over years of working exclusively with plan sponsors like you.
We start by understanding where your plan stands today. Then we identify what needs to change. And then we make it happen. Because we generate over 90% of our revenue from working with corporate retirement plans, this process has been refined by real-world experience across thousands of engagements.
We start by understanding your plan inside and out. Before we recommend a single change, we need to know exactly what you're working with.
We assess your current plan structure, including enrollment features, contribution formulas, vesting schedules, and eligibility provisions. Are your plan’s design elements aligned with your company’s goals and culture? We’ll find out.
We conduct a custom Live Bid benchmarking study that reviews over 450 data points per bidder, using your actual plan information rather than average demographics. This makes our analysis among the most accurate in the industry.
Our investment analysis methodology evaluates over $120 billion in retirement plan assets quarterly, measuring fund performance across multiple factors using our proprietary 10-point pass/fail scoring system.
Are your processes documented? Is your Investment Committee structured properly? Do you have a current Investment Policy Statement? We identify gaps in your fiduciary compliance and create a clear roadmap for closing them.
We look at participation rates, deferral levels, and retirement readiness metrics to understand how well your plan is actually serving your employees.
The result: a clear, detailed picture of where your plan stands and where the opportunities are. No guesswork. No assumptions. Just data.
Once we understand your plan's current state, we develop specific, actionable recommendations designed to strengthen every aspect of your retirement program.
We recommend adjustments to your investment lineup to reduce costs, improve diversification, and align fund options with your participants’ needs. Every recommendation is backed by our quarterly monitoring data.
We provide you with the ammunition to renegotiate better fees and better services, or to make a provider switch. Our benchmarking data gives you real leverage based on live bids from competing providers.
Whether it’s implementing automatic enrollment, adding auto-escalation features, or restructuring your match formula, we tailor design recommendations to your specific company goals and workforce demographics.
We draft or update your Investment Policy Statement, establish or strengthen your Investment Committee structure, and build the governance framework that protects you. We share the fiduciary responsibility so you’re not carrying it alone.
If your plan uses TDFs, we conduct a multi-step suitability analysis to determine whether your current solution is the right fit for your participants, or whether a different approach would serve them better.
Every recommendation comes with clear documentation of our rationale, making your decisions defensible if you're ever audited.
Recommendations only matter if they're executed well. We put the plan into action and keep it on track — implementation isn't the finish line, it's the starting point for ongoing monitoring and support.
We coordinate with all parties to implement investment changes, plan design updates, provider transitions, and fee renegotiations. You don’t have to manage the logistics.
We monitor your investment lineup every quarter using institutional-grade analytics, flagging any funds that fall below our performance thresholds and providing specific recommendations when action is needed.
Each year, we deliver a comprehensive review covering your plan’s performance, compliance status, fee competitiveness, and participant outcomes. This keeps your fiduciary file current.
We stay on top of the ever-changing fiduciary rules and regulations so we can implement best practices to keep you in compliance. You’ll never be caught off guard by a new requirement.
Our licensed securities advisors lead interactive sessions covering retirement savings strategies, budgeting, and debt management to help your workforce take full advantage of the plan you’ve built.
We document everything we do with you in a secure digital file. Every analysis, every recommendation, every committee meeting, every decision. If you’re ever audited, your documentation is already in order.
As an independently owned and operated firm, we have no parent company products to push, no provider relationships that influence our advice. Every recommendation is driven by your interests alone.
Our meticulous, technology-driven process means every step is recorded, every decision is supported, and every action is defensible. Your fiduciary file isn't an afterthought — it's built into everything we do.
We've been advising plan sponsors and participants since day one. Our unique perspective allows us to provide nimble, efficient solutions and highly actionable advice that often brings immediate value.
Investment advisory services offered through PointOak Retirement Advisors, LLC. This site is published for residents of the United States only. PointOak Retirement Advisors, LLC does not provide tax or legal advice.
Schedule a complimentary consultation to discuss your financial goals and how we can help. There's no cost for the initial meeting. No obligation. Just a conversation to see if we're the right fit for your needs.
Our initial consultation typically lasts 30–45 minutes. We'll discuss your goals, current situation, and how we might work together. Come prepared with questions.