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Retirement Plan Consulting

Employer sponsored retirement plan fiduciary advisory services in a transparent, unbiased format that are service provider and investment agnostic.

Retirement Plan Consulting Services Overview

Transparent, Unbiased Advisory Services

AmeriTrust’s sister company Argent Retirement Plan Advisors (ARPA) is a Registered Investment Advisor with the SEC that specializes in providing fiduciary and investment advisory services to employer sponsored qualified and non-qualified retirement plans.

ARPA has been providing plan sponsor clients with unbiased advice since 2008. Clients range from large publicly traded companies to multi-generationally owned family businesses to non-profits to municipalities. ARPA provides advisory services in a transparent, honest format that is service provider and investment agnostic.

AmeriTrust’s sister company Argent Retirement Plan Advisors is proud to announce that they are now a CEFEX* certified Investment Advisor.

Why Choose ARPA

AmeriTrust’s sister company Argent Retirement Plan Advisors is proud to announce that they are now a CEFEX* certified Investment Advisor.  They are the only CEFEX Certified Investment Advisor in Oklahoma.

CEFEX is an independent global assessment and certification organization. Its mission is to promote and verify excellence by assessing and certifying conformity to high professional standards of conduct.

ARPA’s CEFEX certification means they understand the importance of having a documented investment process, thereby helping promote client confidence that their investment strategies are being prudently organized, formalized, implemented and monitored. Additionally, ARPA is annually monitored by an independent third party, which effectively helps clients manage their fiduciary obligations.

ARPA’s holistic advisory process has 6 major components:

Investment Due Diligence

ARPA utilizes a proprietary Scorecard System that incorporates 15+ quantitative and qualitative metrics is presented quarterly to the committee as an easy 10 point scoring system.

Fiduciary Compliance

ARPA’s program provides resources as a means to identifying potential weaknesses in your plan and remedy through education, diligence and process.

Provider Benchmarking

ARPA’s B3 Provider Analysis report includes 400+ data points in key areas: Recordkeeping, Total Plan Cost, Investment Management, Compliance, Employee Education and Technology, all of which allows for an apples to apples comparison report to the committee.

Target Date Fund Consulting & Risk Analysis

Risk based analysis to ensure the proper selection of a new or existing TDF. Since most TDF serve as the plan Qualified Default Investment Alternative (QDIA), due diligence of the TDFs should be done every couple of years.

Plan Design/Behavioral Health

The ARPA team leads the committee through a behavioral health audit to assess the design of the plan in order to improve participant outcomes through positive choice architecture, plan design and match optimization.

Financial Wellness Education

Providing employee with access to financial wellness education is a priority. Personal financial issues and debt are the leading causes absenteeism and workplace stress. Employee deserve tools that meet them where they are today. Financial wellness focuses on budgeting, emergency funds, credit cards debt, basis financial management and financial stewardship.

ARPA’s Retirement Plan Consulting Services Can Include**:

  • Investment committee support for a variety of plan types, including 401(k), 403(b), 457, profit sharing, money purchase pension, 401(a), defined benefit, cash balance and non-qualified
  • Investment Policy Statement development
  • Quarterly Meetings that include fiduciary education, market review, fund performance and review and meeting minutes
  • Platform selection, with periodic price evaluation
  • Fund selection, including low-cost target date funds
  • Target date series suitability
  • Qualified default investment alternatives selection
  • 3(21) or 3(38) Fiduciary Capacity
  • Participant education

Important Disclosure Information

Access ARPA’s FORM ADV Part 2A here

Access ARPA’s FORM ADV Part 2B here

*Please Note: Limitations. No achievement of any professional designation or membership in any professional organization, or any amount of prior experience or success, should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if Argent is engaged, or continues to be engaged, to provide investment advisory services

**Please Note: Limitations. The scope of any consulting services to be provided depends upon the terms of the engagement, and the specific requests and needs of the client. Argent does not serve as an attorney, accountant, or insurance agent. Argent does not prepare legal documents, tax returns, nor does it sell insurance products.

Complete the form below to begin a discussion with a AmeriTrust professional about this service:

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