Retirement Plan Consulting

Fiduciary advisory services in a transparent, unbiased format that are service provider and investment agnostic. We work for our clients, not the service providers.

Retirement Plan Consulting Services Overview

Transparent, Unbiased Advisory Services

Fiduciary responsibilities can be a challenge for retirement plan sponsors to understand and manage. Additional concerns for sponsors of both qualified and non-qualified retirement plans may include complying with regulations, minimizing plan costs, offering competitive funds, maximizing employee participation and preparing participants to retire on time. 

Argent Retirement Plan Advisors (dba Heritage Retirement Plan Advisors in the Oklahoma area) can assist employers to improve outcomes for both retirement plan sponsors and participants.

We are a Registered Investment Advisor with the SEC that specializes in providing fiduciary and investment advisory services. Our clients range from large publicly traded companies to multi-generationally owned family businesses to non-profits to municipalities.

Why Choose Argent

We have been providing our plan sponsor clients with unbiased advisory services since 2008. Our services are delivered in a transparent, unbiased format that is service provider and investment agnostic.

Argent Retirement Plan Advisors is also a proud CEFEX certified Investment Advisor*.

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

Our holistic advisory process has 6 major components:

Investment Due Diligence

Our 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

Our program provides resources as a means of identifying potential weaknesses in your plan and remedy through education, diligence and process. 

Provider Benchmarking

Our B3 Provider Analysis report includes 400+ data points in key areas: Recordkeeping, Total Plan Cost, Investment Management, Compliance, Employee Education and Technology. We provide 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 TDFs serve as the plan QDIA, due diligence of the TDFs should be done every couple of years. 

Plan Design/Behavioral Health

We lead 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 employees with access to financial wellness education is a priority. Personal financial issues and debt are the leading causes of absenteeism and workplace stress. Employees deserve tools that meet them where they are today. Financial wellness focuses on budgeting, emergency funds, credit card debt, basic financial management and financial stewardship. 

Our 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 our FORM ADV Part 2A here

Access our 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 an Argent professional about this service:

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