403(b) Simple

What does it mean to have a SIMPLE 403(b) plan when 403(b) plans are so complicated? It means working with a team of specialists who focus exclusively on the 403(b) industry. We help employees retire better and we help employers sleep better. We do one thing and we do it well.

PHD. Retirement Consulting provides Faith-based, Fee-only, Fiduciary consulting. The ‘PHD’ is actually an acronym that stands for Plan Health Design. We believe that healthy retirement plans will naturally produce healthy retirement outcomes. Just as a good tree cannot bear bad fruit, and a bad tree cannot bear good fruit. (Matthew 7.18)

As the Fee Only advisors (Feeonly401kadvisor.com), we prefer to work for a FLAT Fee to remove any conflicts of interest, and we never work for commission. The markets might fluctuate, but your advisory fees should not fluctuate.

Philippians 2.3-4 indicates that we should put the interest of others above ourselves. ERISA (The employee Retirement Income Security ACT of 1974, as amended) essentially requires the same for those who sponsor a 403(b): to put the interests of employees above their own and to do what is exclusively in the best interest of plan participants. We take seriously this charge to put employees first.