The DOL's and SEC's combined efforts to regulate the investment and advice industry over the years, by strengthening the application of the fiduciary standard, have been challenging. Serving in client's best interests by removing conflicts is common sense. We welcome the rest of the industry, with or without additional fiduciary regulations, to join our way of life - to carry out actions in good faith with undivided loyalty and due care. Learn more about our fiduciary services:

Fiduciary Consulting

We help ERISA stewards develop a framework and process to meet their responsibilities and obligations in achieving the overall goals and objectives of the retirement plan.

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Plan Design Consulting

We believe careful plan design with provisions that overcome the drawbacks of participant behaviors would positively impact retirement outcome.

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ERISA Investment Consulting

We create a reasoned and practical Investment Policy Statement that guides the process to identify, select and monitor prudent investment methodologies and vehicles.

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Looking for a speaker on target date fund selection and benchmarking; using managed accounts as a QDIA; revenue sharing; or other retirement plan sponsor best practices? Consider Philip Chao, Principal and CIO of Experiential Wealth, Inc.

"Philip has spoken several times at SPARK conferences, on topics that include investment trends and the changing needs of retirement plan sponsors. My members found Philip engaging, passionate and insightful. His presentation style is charming and full of real world experiences that he draws from his work with clients."

TIM ROUSE, EXECUTIVE DIRECTOR, THE SPARK INSTITUTE, INC.

Retirement Plan & Fiduciary Consulting Latest


DOL Final Rule Prohibited Transaction Exemption 2020 02 for Investment Fiduciary


ERISA and the IRC establish prohibited transaction provisions that generally exclude fiduciaries, with respect to workplace retirement plans (Plan or Plans) and individual retirement accounts and...

Quarterly Market Commentary – 2021 Q1


Executive Summary The three known COVID-19 variants are contributing to a third or fourth wave of infection, hospitalization, and death around the world. All three strains have arrived in the U.S....

ERISA CYBERSECURITY Best Practices & TIPS


The Employee Benefits Security Administration of the Department of Labor issued a new guidance for plan sponsors and fiduciaries regulated by the Employee Retirement Income Security Act (ERISA).  The...

The 2019 PLANADVISER Top 100 Retirement Plan Advisers recognizes the top defined contribution (DC) plan advisers across the U.S in terms of assets or plans under advisement, based on self-reported information from advisers. In 2018, 321 survey responses for the PLANADVISER Retirement Plan Adviser Survey, elected to be considered for the 2019 PLANADVISER Top 100 Retirement Plan Advisers list. Of those, 100 (31%) were named to the list. There is no fee paid to PLANADVISER in exchange for inclusion in the listing.