Retirement Plan Consulting

Integrated strategies for employees’ retirement plan management

We take a holistic approach that looks at every aspect of the workforce and organization, so it meets organizational objectives while addressing the unique needs of employees. Our strategy for successful retirement plan management is based on five elements:

1. 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.
2. Investment consulting - Our experts 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.
3. Employer services - 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.
4. Participant services - Participant services focuses on achieving retirement readiness. We help empower employees by identifying the right tools, education and resources to effectively address their spending, saving, debt and overall financial wellbeing. 
5. 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.

Defined Contribution Plan Services

We provide defined contribution consulting to help your organization achieve overall financial wellbeing. This includes plan design, compliance, fiduciary risk mitigation, 3(38) and 3(21) investment fiduciary services, investment monitoring, vendor management and participant services.

Actuarial expertise for better retirement plans

What makes us different? Our actuarial services in retirement plan consulting help your organization ensure the financial wellbeing of your employees. We’re not recordkeeper-aligned, so you benefit from the guidance from actuarial consultants you know, and research and market insights that are customized for your industry. You have retirement plan experts who are on your side and ready to help you improve your plan and manage your vendor relationships.

Actuarial services for pension and retiree medical plans

Pension Plans are complex and we get it – but we make sure you get it too. Our wide range of actuarial consulting services for defined benefit and retiree medical plans includes offering support in a way that you will understand. This enables you to avoid unnecessary hurdles and do the right thing for your business. Our actuaries are well-versed in understanding the true carrying cost of a pension plan. They will show you how the carrying cost impacts your liability and the future funded status of your plan. We think beyond the numbers to understand the implications of the pension plan on your business. This enables us to help you discover a strategic way into the future.

Data-driven analytics

A competitive total compensation strategy requires dedicated financial wellbeing programs such as retirement planning and education on financial decision-making. Part of this commitment includes evaluating employee retirement readiness. Take advantage of our substantial toolset of analytics that includes planners, data modelers, workforce evaluation systems and more. You’ll get the insights you need to build not just a great employee benefits and compensation plan, but also a great workforce that’s engaged, motivated and invested in your organization’s success. Actuarial specialists can offer support by evaluating current retirement plan structures to match, model and project different levels of retirement funding. These exercises help address key questions like the organization’s cost of delayed retirement and how to enable timely exits from the workforce. Ultimately, this leads to new ways to streamline plans and costs.

Workforce Evaluation - Retirement

Inventorying an organization’s workforce is a first step in identifying needs. Workforce Evaluation - Retirement provides a unique perspective on the alignment between your retirement benefits and total rewards program and their impact on your current and future workforce. This analysis is extremely useful in tailoring an effective program specific to your organization. The combination of our consultative approach, unparalleled Gallagher compliance resources, and use of the Gallagher proprietary tools will result in a customized solution that we will work on executing together. 

Disclosure Statement

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. 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, Arthur J. Gallagher & Co., GFA, their affiliates nor representatives provide accounting, legal or tax advice.

Luke Kaplan: Securities offered through The Leaders Group, Inc., Member FINRA/SIPC, 26 West Dry Creek Circle, Suite 800, Littleton, CO 80120, (303) 797-9080.­ ­

Brian Deane: Securities offered through M Holdings Securities, Inc., A Registered Broker/Dealer, Member FINRA/SIPC. Cohn Financial Group is operated independently from M Holdings Securities, Inc.­ ­

Rich Brock: 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, Arthur J. Gallagher & Co., GFA, their affiliates nor representatives provide accounting, legal or tax advice. GFA/Triad CD (5206532)(exp112024)

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. GFA/Triad CD (4652486)(exp052024)

Client Relationship Summary

For more information about our investment advisory services or to request the most current version of this relationship summary, please review our Client Relationship Summary or call our office at (212) 918-9685.