Why PointOak Retirement Advisors
Your Retirement Plan Deserves More Than a Generalist
You already know that managing a corporate retirement plan is one of the most complex responsibilities on your plate. Between ERISA regulations, Department of Labor mandates, investment selection, fee oversight, and fiduciary liability, it's enough to keep any plan sponsor up at night. And the reality is that most financial advisors treat retirement plans as a side business, something they manage alongside wealth management, insurance, and a dozen other priorities.
That's not how we operate. PointOak Retirement Advisors generates over 90% of its revenue from working with corporate retirement plans. We don't dabble in retirement plan consulting. We live it every single day. That singular focus gives you something a generalist never can: a team that has seen every challenge, navigated every regulatory shift, and built the processes to protect you through all of it.
Specialists from Day One
PointOak has been advising plan sponsors and participants since the very beginning. We have always been, and remain to this day, wholly focused on the retirement plan industry and the fiduciary obligations that impact plan sponsors. Our unique perspective allows us to provide nimble, efficient solutions and highly actionable advice that often brings immediate value to your organization.
What does that specialization mean for you? It means faster answers to complicated questions. It means proactive guidance on regulatory changes before they become problems. And it means working with a team that speaks the language of ERISA, DOL compliance, and fiduciary support as fluently as you speak your own business.
Retirement Plan Specialists
PointOak generates over 90% of its revenue from working with corporate retirement plans. We don't dabble in retirement plan consulting. We live it every single day.
- Faster answers to complicated questions
- Proactive guidance on regulatory changes before they become problems
- Team that speaks the language of ERISA, DOL compliance, and fiduciary support fluently
Named Fiduciary Protection
PointOak's advisors are registered and act as fiduciaries under ERISA, serving as either a 3(21) co-fiduciary or 3(38) investment manager with all clients.
- Direct reduction of your liability exposure
- Legal commitment to act in your participants' best interests
- Shared fiduciary burden with documented accountability
Independence You Can Trust
As an independently owned and operated firm, PointOak has no parent company pushing proprietary products, no recordkeeper affiliation driving recommendations, and no outside considerations influencing our advice.
- Objective, unfiltered guidance on provider selection
- No incentive to minimize fee analysis findings
- Recommendations driven solely by what's best for your plan
Process-Driven Protection
We document everything we do with you, from investment reviews and committee meetings to benchmarking studies and plan design changes. All maintained in our Virtual 401(k) Fiduciary File.
- Digital record that protects you if you're ever audited
- Documented evidence of prudent fiduciary process
- Clear trail of decisions and recommendations
A Benchmarking Process Built for Accuracy
You've certainly thought about cost. But how much is too much, and what are you getting for your money? How does your plan stack up against other similar-sized plans in your market?
These are prudent questions, but the research required can be a drain on your time. PointOak performs over 10,000 benchmarks per year through our comprehensive "Live Bid" benchmarking process. Unlike standard industry benchmarks that rely on average plan demographics, our process uses your specific plan information to deliver results that reflect your actual situation. We review over 450 data points per bidder across three critical areas: fees, investments, and services.
Investment Expertise at Scale
With over 40,000 mutual funds available, building and maintaining the right investment menu for your plan is no small task. PointOak's investment analysis methodology evaluates over $120 billion in retirement plan assets every quarter. We measure fund performance across multiple factors, including fund style, risk-adjusted returns, peer group rankings, fund manager tenure, and expense ratios.
Our proprietary 10-point pass/fail scoring system combines sophisticated institutional measurement techniques with analytics that are clear enough for your Investment Committee to act on with confidence. We don't just hand you a report full of jargon. We give you specific, documented recommendations on which funds to keep, which to watch, and which to replace.
What You Get When You Work with PointOak
Take the Next Step
You didn't get into business to become a retirement plan expert. But you do have a legal obligation to manage your plan prudently, and your employees are counting on you to get it right. PointOak is here to help you meet that obligation with confidence.
Investment advisory services offered through PointOak Retirement Advisors, LLC. This site is published for residents of the United States only. Not all of the products and services referenced on this site are available in every state and through every representative or advisor listed. 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.