A retirement plan designed around your business
Our RIA provides a cost-effective 401(k) solution designed that helps businesses offer a high-quality retirement benefit without adding unnecessary expense. By focusing on competitive plan costs, thoughtful investment options, and professional guidance, we help employers maximize their retirement plan’s value while supporting the long-term financial well-being of their employees.
Simplify plan management with expert support. We work closely with employers and plan providers to help streamline plan oversight, reduce administrative burdens, and make the 401(k) program easier to manage. As a fiduciary, we are committed to acting in our clients’ best interests, providing objective advice and helping plan sponsors make informed decisions with confidence.
Strengthen employee retention and retirement readiness. A well-designed 401(k) plan is a powerful tool for attracting and retaining talent while demonstrating a commitment to employees’ futures. By giving participants access to a convenient, tax-advantaged way to save and invest for retirement, we help employees build long-term financial security and give employers a meaningful competitive advantage.
Our 401(k) plan services
Fee and provider review.
We break down plan costs, evaluate third-party administrators (TPAs) and recordkeepers, and negotiate competitive fees on your behalf so you can compare options without doing all the legwork.
Plan design.
We help you choose plan features that fit your goals and budget, including employer matching, profit sharing, Roth contributions, automatic enrollment, and safe harbor provisions.
Investment lineup.
We develop a straightforward fund menu centered on low-cost index funds, including clear default options, and target date funds for employees who prefer not to select individual investments themselves.
Fiduciary investment oversight.
We help develop an investment policy statement, review investment performance and fees, monitor fund changes, and document investment-related recommendations. We also coordinate with administrators and other providers to reduce the burden on your team.
Provider transitions.
If a change makes sense, we work with you, your recordkeeper, and your administrator to coordinate investment-related steps and communicate changes to employees.
Employee education.
We offer participant education through several channels, including group and one-on-one sessions, educational videos, and resources to help employees understand their choices and participate with greater confidence.
Ongoing reporting and oversight.
We monitor investments and provide clear reporting so you have useful information for plan decisions without having to track every detail yourself.
How is your business retirement plan really doing?
Twenty questions, about ten minutes, no judgment.
Why businesses choose Armbruster for their 401(k)
A simpler experience for employers
Retirement plans involve many moving parts. We help connect the dots among investment options, fees, service providers, and ongoing reviews, giving you a knowledgeable resource and a clearer process for managing the plan.
Real investment expertise
Our relationship team includes CFA charterholders and CPAs who bring the same research-driven investment approach we use for our private wealth clients to your company’s retirement plan.
Cost-conscious investing and oversight
We favor low-cost index funds, review provider fees, and help maintain a documented process for investment decisions. Our goal is to make oversight easier to understand and help employees keep more of their investment returns.
Independent advice, free of conflicts
- SEC-registered investment adviser, founded in 2009
- Fiduciary investment adviser to your plan
- Independent and employee-owned
- Fee-only, with no proprietary funds and no outside compensation arrangements
- Access to national custody, TPA, and recordkeeping partners
Could your 401(k) plan be working better for your business?
Whether your plan is new or well established, an independent review can uncover opportunities to improve value, clarity, and the employee experience. It may be worth a conversation if:
- You would like a clearer picture of plan costs and provider compensation
- You want to review whether your investment options are competitively priced
- You would like to encourage stronger employee participation or savings
- Your provider fees have not been benchmarked recently
- You want more clarity about investment oversight and fiduciary roles
Our complimentary plan review looks at investments, provider fees, potential improvements, and gives you a practical starting point for your next decision.
Frequently Asked Questions
What is a 401(k) plan?
A 401(k) is an employer-sponsored retirement plan that lets employees save a portion of each paycheck into a pre-tax or Roth account. Employers can add matching or profit-sharing contributions.
How much does it cost to offer a 401(k)?
Plan costs vary with size, providers, services, and investments. Common expenses include recordkeeping, administration, advisory services, and fund fees. We help you understand those costs and evaluate whether the services and pricing fit your needs.
What is a safe harbor 401(k)?
A safe harbor 401(k) generally requires specified employer contributions in exchange for relief from certain annual nondiscrimination tests. We can help you consider whether this design fits your goals and budget.
Is a 401(k) a good fit for a small business?
A 401(k) can be a useful benefit for businesses of many sizes. We help you compare plan features, costs, and alternatives to find an appropriate fit.
How can an adviser make managing our 401(k) easier?
We help you evaluate providers and costs, build and monitor an investment lineup, document investment-related decisions, and coordinate with other plan professionals. You remain the plan sponsor, but you do not have to navigate every investment decision alone.
Can we switch 401(k) providers without disrupting employees?
We work with you and your providers on the investment-related aspects of a transition, with attention to participant communications and minimizing unnecessary disruption.
Financial Insights That Matter
