The SECURE Act 2.0 introduced a variety of mandatory and optional changes for retirement plans under both the Employee Retirement Income Security Act (ERISA) and the Internal Revenue Code (IRC). As a retirement plan sponsor, it's your job to satisfy your fiduciary obligations. An independent advisor can provide guidance and support in meeting these obligations. Gallagher Retirement Plan Consultants help employers understand their fiduciary duties, establish prudent investment processes, and document compliance efforts. By working with Gallagher professionals, employers can mitigate fiduciary risks and help ensure they are acting in the best interests of their employees.

We help empower employees with engagement strategies that identify the right education, coaching, financial planning, and resources to effectively address their overall financial health.Our holistic approach connects the retirement plan to your total rewards and financial wellbeing program, so your employees gain greater resiliency and ultimately realize retirement readiness.

Employees and Executives Retirement Plan Consultants that partner with you

Every employer has unique requirements and goals when it comes to retirement planning. As your independent advisor, Gallagher consultants take the time to understand your specific needs and tailors a plan accordingly. Develop a holistic strategy that aligns with your culture, seamlessly integrates with your other benefits and addresses the needs of a multigenerational workforce to foster more resilient and healthier employees. We achieve this through:

  • Experience in supporting fiduciary governance obligations
  • Unbiased and proactive Investment Consulting
  • Dedicated and collaborative focus on Employee Engagement
  • A true partner, advocate, and extension of your benefits team
  • Financial wellbeing approach that focuses on engagement with the individual participant to help maximize results

Plan governance

We help mitigate fiduciary risk by ensuring the plan's committee is operating according to their fiduciary responsibilities through establishment of prudent processes, compliant practices and consistent standards.

Investment oversight

Gallagher's procedurally prudent, documented investment due diligence process drives our investment decisions. The process is used for selecting and monitoring our investment management exposures.

Our teams assist with plan investment review, selection, monitoring, replacement and advice so that all plan participants achieve the best possible outcomes and are prepared for a financially satisfying retirement.

  • National investment research team
  • 3(21) or 3(38) investment advisory services
  • Fund menu development and monitoring
  • QDIA analysis (TDF, managed account, etc.)
  • Stable value due diligence
  • Retiree income solution evaluation

Outsourced investment management

To meet the future financial needs of your plan participants, your retirement strategy depends on sound OCIO investment management and performance outcomes. This is equally true for both defined benefit and defined contribution pension plans. But strategic and operational plan management can be challenging for organizations with competing priorities and limited team resources.

Our Outsourced Chief Investment Officer (OCIO) solution is designed for plan sponsors looking to outsource this complex responsibility, limit costs, and mitigate fiduciary liabilities, while remaining in control of the plan's goals and objectives.

As an independent registered investment advisor, we consider every facet of your situation and develop a tailored approached centered around your investment philosophy, plan participant commitments, and desired investment outcomes. Our rigorous investment process helps ensure the highest quality of service in our role as the ERISA §3(38) fiduciary investment manager for your plan.

Plan design

Plan design evaluation is essential to aligning organizational objectives and optimizing employer spend. Understand the retirement readiness of your workforce and its impact on organizational health by continually evaluating, measuring and aligning your financial wellbeing strategy. Our Retirement Plan Consulting team uses their detailed knowledge of the complex regulatory environment of retirement plan finances and structure to help your organization overcome obstacles for better organizational wellbeing. We look holistically at maximizing qualified and nonqualified plans including:

  • 401(k) plans
  • 403(b) plans
  • 457 plans
  • Pooled Employer Plans
  • Nonqualified plans (409A, Executive bonus plans, Split-dollar plans, Group carve-out plans)
  • Safe Harbor plans
  • Defined benefit plans
  • Cash balance plans

Employer experience

Choosing the right plan design requires a thorough evaluation of available options. To be your trusted partner, we listen. We understand your business and your goals. We'll analyze your current retirement plan and identify gaps and opportunities and develop a strategy to move your retirement plans forward with you. We have access to a wide range of plan providers and can conduct a comprehensive analysis of each option. On your behalf, we'll assess plan fees, investment options, participant services, and administrative support. This evaluation helps ensure that you select a plan that offers the best value and meets your organization's requirements.

In a universe of providers, there is no easy "apples-to-apples" comparison of the services being offered in the marketplace. From vendor evaluation to selection, we help navigate the many services offered, match a vendor to your needs, and assist with every relationship stage, from fee negotiation to vendor issue resolution.

Participant engagement

Nearly all employees want their employer to provide financial planning education and advisory services. Even more so when they are facing major life decisions or significant retirement plan benefit changes. Providing support through education, money coaching and financial planning can be perceived by employees as an invaluable resource. We offer personalized support through a customized collection of content and learning tools to help the unique needs of your employees, with a full spectrum of help based on age, event or topic. Plus, our access to money coaching and financial planners are ready to help your employees through financially stressful life events such as paying off student loans or medical expenses, purchasing a home, investing lump sums, or preparing for retirement.

Meet the Retirement Plan Consulting Services team


Gallagher Fiduciary Advisors, LLC ("GFA") is an SEC Registered Investment Advisor that provides retirement, investment advisory, discretionary/named and independent fiduciary services. GFA is a limited liability company with Gallagher Benefit Services, Inc. as its single member. GFA may pay referral fees or other remuneration to employees of AJG or its affiliates or to independent contractors; such payments do not change our fee. Neither Arthur J. Gallagher & Co., GFA, their affiliates nor representatives provide accounting, legal or tax advice.

Securities may be offered through Triad Advisors, LLC ("Triad"), member FINRA/SIPC. Triad is separately owned and other entities and/or marketing names, products or services referenced here are independent of Triad. Neither Triad nor their affiliates provide accounting, legal or tax advice. Review the Triad Form CRS.

As a Registered Investment Advisor, Gallagher Fiduciary Advisors, LLC is required to file Form ADV Part I and Part 2A with the SEC. Part 2A of Form ADV contains information about our business operations for the use of clients. A copy of the Form ADV Part 2A can be requested by contacting the Gallagher Fiduciary Advisors, LLC Compliance Department.


For compliance-related questions about our investment advisory services or to request the most current version of this relationship summary, please review our Client Relationship Summary or call (212) 330-1011.

Defined Contribution Consulting and Workplace Financial Wellbeing Solutions

  • Tailored solutions to meet the unique needs, culture and philosophy of all size plans, including private and public sector organizations, multiple and pooled employer, faith-based, and not-for-profit
  • 3(21) or 3(38) Investment Advisory Services for investment selection and monitoring services from a third-party fiduciary that has the flexibility to choose from nonproprietary investment options
  • Personalized and proprietary workplace financial wellbeing resources, tools and consulting services with a focus on group education, 1:1 money coaching, and individual financial planning

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