Who We Serve
PointOak works exclusively with plan sponsors and plan fiduciaries who want more than a checkbox advisor. We serve organizations across the United States that are ready for a true retirement plan specialist.
Business Owners & C-Suite Executives
You built this company. The retirement plan should reflect that same standard of excellence, not become another source of liability. PointOak helps business owners and executives take control of their retirement plan strategy without it consuming their calendar. We act as your 3(21) or 3(38) named fiduciary under ERISA, sharing or assuming the fiduciary responsibility that would otherwise rest on your shoulders.
What matters most to you:
- Minimizing personal fiduciary liability exposure
- Ensuring plan fees are competitive without sacrificing quality
- Offering a retirement benefit that attracts and retains top talent
- Having documented, defensible processes in case of a DOL audit
CFOs & Financial Officers
You think in terms of cost, risk, and return. Our annual Live Bid benchmarking process reviews over 450 data points per bidder using your actual plan information, not industry averages. We perform over 10,000 benchmarks per year, giving you the data and leverage to renegotiate better fees or make an informed provider switch.
What matters most to you:
- Transparent, defensible fee structures with documented benchmarking
- Quantifiable ROI from advisory services
- Risk mitigation through proper fiduciary documentation
- Clear reporting for board and committee presentations
HR Directors & Benefits Administrators
You're on the front lines. Employees come to you with questions about their 401(k) plan, enrollment, investment options, and whether they're saving enough. PointOak partners with HR teams to lighten that load with education programs led by licensed securities advisors, plan design optimization, and day-to-day support.
What matters most to you:
- Increasing employee participation and retirement readiness
- Reducing the administrative burden on internal staff
- Having a knowledgeable partner for day-to-day plan questions
- Staying current with evolving regulations and compliance requirements
Plan Fiduciaries & Investment Committee Members
Serving on your company's Investment Committee comes with real legal responsibility. ERISA's fiduciary standards require prudent decision-making, proper documentation, and ongoing monitoring. PointOak gives committee members the tools, data, and expert guidance to fulfill their duties with confidence.
What matters most to you:
- Understanding and fulfilling personal fiduciary obligations
- Having expert support for investment selection and monitoring
- Maintaining comprehensive documentation for audit protection
- Accessing independent advice free from conflicts of interest
Industries and Organizations We Serve
PointOak works with plan sponsors across a broad range of industries and organization sizes. Whether you're a mid-market company with 200 employees or a large enterprise with thousands of participants, our consulting approach is tailored to your plan's specific needs.
What connects our clients isn't their industry — it's a shared commitment to doing right by their employees and a recognition that retirement plan management demands specialized expertise.
Why Plan Sponsors Choose PointOak
Retirement Plan Specialists
PointOak generates over 90% of its revenue from working with corporate retirement plans. This isn't a side business — it's our entire focus.
Named Fiduciary From Day One
Every PointOak advisor acts as a 3(21) or 3(38) named fiduciary under ERISA. We don't just advise — we stand beside you with direct accountability.
Independence You Can Trust
Independently owned and operated. No parent company products, no recordkeeper affiliations, no conflicts of interest driving recommendations.
A Process That Protects You
We apply a meticulous, technology-driven process that documents everything: Analyze → Optimize → Implement. If you face an audit, your fiduciary file is ready.
Frequently Asked Questions
We work with plan sponsors who offer 401(k) plans, 403(b) plans, defined benefit plans, and other employer-sponsored retirement plans. Our consulting services are structured to meet the unique requirements of each plan type and the fiduciary obligations that come with them.
Not at all. While our office is based in McLean, Virginia, we serve plan sponsors across the entire United States. Most of our consulting, benchmarking, and investment analysis work is delivered through a combination of virtual meetings and on-site visits as needed.
Most financial advisors are generalists who manage retirement plans as one of many product lines. PointOak is a retirement plan specialist, generating over 90% of our revenue from corporate retirement plan consulting. That singular focus gives us deeper expertise, more current regulatory knowledge, and a consulting process purpose-built for plan sponsors and fiduciaries.
As a named fiduciary under ERISA, PointOak takes on direct legal responsibility for the advice and recommendations we provide. Under a 3(21) arrangement, we serve as a co-fiduciary while you retain decision-making authority. Under a 3(38) arrangement, we assume discretionary responsibility for selecting and monitoring plan investments. Either way, we share the fiduciary burden with you.
If you're unsure whether your plan fees are competitive, haven't benchmarked your provider in three or more years, struggle with low participation rates, or simply feel overwhelmed by ERISA compliance, those are strong signals that a specialist can add immediate value. Contact us for a no-obligation conversation.
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.
Ready to Simplify Your Financial Life?
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.
What To Expect
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.