Retirement advisory built on a 360° fiduciary foundation.
We serve as a dedicated fiduciary to your company’s retirement plan—designing, monitoring, and governing your 401(k) or ERISA plan with the same institutional rigor we bring to every client relationship.
A plan fiduciary is accountable for everything.
We formalize the delegation of administrative and investment responsibilities, helping protect you from liability at every stage.
ERISA & DOL Alignment
We help ensure your plan follows ERISA and DOL best practices through a comprehensive fiduciary diagnostic that identifies gaps in governance, documentation, and compliance.
Plan Committee Formation
We help establish a formal Retirement Plan Committee with documented charters, meeting minutes, and a clear fiduciary decision-making framework.
Investment Policy & Selection
We develop a written Investment Policy Statement (IPS) and follow a disciplined, documented process for evaluating, selecting, and monitoring plan investments.
Ongoing Monitoring & Education
We provide regular plan reviews, fiduciary education for board and committee members, and participant communication to help drive better retirement outcomes.
A disciplined, 360° fiduciary framework.
Most retirement plan advisors sell products. We build fiduciary infrastructure—a documented, repeatable process designed to protect plan sponsors and improve participant outcomes.
Due Diligence
Consultation
Monitoring
Benchmarking
Education
Documentation
Comprehensive plan advisory.
Fiduciary Governance
Whether acting as a 3(21) or 3(38) fiduciary, we partner with you to help your plan meet all ERISA standards and fiduciary obligations.
Investment Due Diligence
We follow a disciplined and documented process to evaluate, benchmark, and monitor every investment in your plan against objective performance and cost criteria.
Fee Benchmarking
We provide independent analysis of plan fees against industry benchmarks to help ensure your participants are receiving competitive pricing and your committee can demonstrate prudent oversight.
Compliance Monitoring
We help your plan stay aligned with evolving regulatory requirements from the DOL, IRS, and SEC through proactive monitoring, documentation, and timely updates to your plan committee.
Participant Outcomes
A retirement plan is most effective when participants are engaged. We provide enrollment meetings, financial wellness programs, and ongoing education to help drive better outcomes.
Vendor Management
We act as the liaison between you, the recordkeeper, and the third-party administrator—coordinating transitions, negotiating pricing, and managing the relationship on your behalf.
Backed by RPAG’s institutional-grade platform.
As a member of the Retirement Plan Advisory Group (RPAG), Ashwood Financial Partners is supported by an extensive team of retirement plan specialists. RPAG equips our practice with research, technology, and delivery systems designed to produce measurable results for plan sponsors and participants.
Fiduciary Scorecards
Quarterly scoring of every investment in your plan for full transparency.
Investment Policy Statement
A written IPS that documents your plan’s investment objectives, guidelines, and monitoring criteria.
Board & Committee Education
Fiduciary training modules for board members and plan committee members on their ERISA responsibilities.
B3 Provider Analysis
Proprietary benchmarking of recordkeeper fees and services against national standards.
Technology Platform
Institutional-grade reporting, analytics, and target date fund analysis tools.
Every investment scored. Every quarter. No exceptions.
Through RPAG’s proprietary scorecard methodology, every investment in your plan is evaluated on a 0–10 scale—80% quantitative, 20% qualitative. We track scoring trends across eight quarters so your committee can identify deterioration early and act decisively.
The Quarterly Fiduciary Investment Review covers style analysis, risk-adjusted returns, peer group rankings, expense ratio benchmarking against Morningstar averages, and asset allocation breakdowns—giving your committee everything needed to fulfill its fiduciary obligation.
Scoring Scale
Analysis
Qualitative Split
History Required
Sample RPAG Quarterly Fiduciary Investment Review. Every investment in your plan receives this level of analysis—updated quarterly. For plan sponsor use only. Past performance does not guarantee future results. Data provided by Morningstar, Inc.
Every plan type. One fiduciary standard.
401(k) Plans
Traditional and Safe Harbor plan design, investment selection, and ongoing fiduciary governance for businesses of all sizes.
403(b) Plans
Tax-sheltered annuity plans for public education organizations, nonprofits, and religious institutions.
457(b) Plans
Deferred compensation plans for state and local government employees and certain tax-exempt organizations.
Profit Sharing
Flexible employer contribution plans that allow businesses to share profits with employees while maintaining discretion.
Nonqualified Deferred Compensation
Executive benefit plans that allow key employees to defer compensation beyond qualified plan limits, with customized vesting schedules and distribution options tailored to retention goals.
Cash Balance
Defined benefit plans that combine features of traditional pensions with individual account balances for each participant.
SIMPLE & SEP IRAs
Streamlined retirement solutions for small businesses and self-employed individuals with lower administrative burden.
We work for your plan. Not a provider.
As an independent fiduciary, we have no proprietary funds to sell and no revenue-sharing arrangements to protect. Our only obligation is to your plan and its participants.
100% Independent
No proprietary products, no revenue sharing, no conflicts of interest. We recommend what’s best for your plan—period.
Credentialed Team
CFA Charterholder, AIF®, CPFA®, and CRPS® designations mean your plan is governed by specialists held to the highest fiduciary and ethical standards in the industry.
Ongoing Communication
We keep plan sponsors informed of regulatory developments, legislative updates, and industry trends through regular updates, webinars, and quarterly reviews.
Measurable Results
RPAG-powered reporting delivers quantifiable metrics on plan health, participation rates, fee competitiveness, and investment performance so you can see the impact.
Ready to strengthen your plan?
Schedule a complimentary plan review. No obligations—just an honest assessment of your current retirement plan.