Helping Employers Build Better Retirement Plans
Managing a retirement plan comes with significant responsibility. RiverTree Wealth Management helps plan sponsors navigate that responsibility through a disciplined approach focused on investments, fees, fiduciary oversight, and participant outcomes.
Our Review Process
Our structured review process examines the key areas that influence plan governance, costs, investments, and participant outcomes.
Plan & Form 5500 Review
We evaluate the plan’s structure, assets, participation, and service-provider relationships.
Investment Analysis
We review the investment lineup for performance, expenses, diversification, share classes, and appropriate benchmarks.
Investment Policy Review
We evaluate the Investment Policy Statement and the process used to select, monitor, and replace plan investments.
Fee & Expense Analysis
We review available fee disclosures to help evaluate recordkeeping, investment, advisory, and administrative costs.
Advisor & Fiduciary Review
We evaluate the existing advisory relationship, services, compensation, and allocation of fiduciary responsibilities.
Recordkeeper & TPA Review
We assess the services, technology, participant resources, and costs provided by the recordkeeper and third-party administrator.
Fiduciary Process Review
We evaluate investment reviews, committee documentation, benchmarking, and the plan’s ongoing fiduciary process.
Fiduciary Support That Fits Your Plan
ERISA §3(21) Fiduciary
RiverTree can provide investment advice, analysis, and recommendations while the plan’s designated fiduciaries retain final decision-making authority under a non-discretionary engagement.
We advise. You decide.
ERISA §3(38) Investment Manager
Where RiverTree is engaged and qualified to serve in this capacity, defined investment-management responsibilities may be delegated to RiverTree, including the authority to select, monitor, and replace investments within the scope of the agreement.
You delegate. We manage.
A Better Process. A Better Plan
Our goal is simple: help plan sponsors understand what they have, what they’re paying, how their investments are performing, who is responsible for what, and where opportunities may exist to strengthen the plan.
But our work doesn't stop with the retirement plan.
Financial Planning for Every Stage of Life
For clients with more complex wealth, tax, and legacy planning needs, RiverTree utilizes Wealth.com as part of our estate planning process, helping coordinate retirement assets with broader estate and legacy objectives.
Our approach is designed to serve clients across the financial spectrum—from employees beginning to build wealth to business owners, executives, and high-income professionals requiring more sophisticated planning strategies.
For higher-income individuals and business owners, our planning may also encompass advanced strategies such as cash balance and defined-benefit plans, tax-efficient retirement-plan design, executive benefits, estate planning, and appropriate premium-financing strategies.
Discover How Your Current Plan Measures Up
Request a Retirement Plan Review
Whether you are benchmarking your current retirement plan or considering a change in advisors, RiverTree Wealth Management can provide an independent review of your existing plan.