Low-Cost, Flat-Fee 401(k) Plans That Put You and Your Employees First
At KLD Wealth, I believe retirement plans should be built for your employees’ future, not padded with hidden fees. That’s why we offer transparent, flat-fee 401(k) and cash balance plans designed to reduce costs, maximize retirement savings, and provide high-quality financial guidance to both employers and employees.
Smart Retirement Plans with No Hidden Fees
🔹 No asset-based advisor fees – Keep more of your money growing in your plan.
🔹 No revenue-sharing or 12b-1 fees – Transparent pricing with no hidden charges.
🔹 Low-cost investment options – High-quality, low-fee mutual funds from Vanguard, Fidelity, and Dimensional Fund Advisors.
A Fiduciary Partner You Can Trust
I serve as your ERISA 3(21) Advisor or 3(38) Investment Manager, providing independent, fee-only guidance. As a Certified Financial Planner™ professional, I ensure your plan is not only cost-effective but also optimized for long-term success.
Built for Employers Who Want More for Their Team
Lower costs = more retirement savings – I help reduce unnecessary fees so more money stays in employees’ accounts.
Flexible provider partnerships – No need to waste time searching—I work with leading low-cost providers to find the best fit for you.
Ongoing employee education – I meet with employees one-on-one (virtually or in-person) to provide guidance on retirement planning, college savings, and investing.
Don’t Overpay for Your Retirement Plan
Many companies are still paying excessive fees that eat into employee retirement savings. I provide a fresh set of eyes to review your current plan, identify cost-saving opportunities, and transition you to a better solution—without the stress.
Flat Fee Based On Complexity (Maximum $25,000)
For business owners and plan sponsors seeking fiduciary guidance on 401(k), profit-sharing, or defined benefit plans.
Services include:
Investment policy development
Plan monitoring and benchmarking
Participant education and support
The Ideal Flat-Fee 401(k) Plan for Your Business
✔ Transparent, fixed pricing – No percentage-based fees that grow as your assets do.
✔ Institutional & Admiral share class funds – Get the lowest possible expense ratios.
✔ ERISA fiduciary protection – Compliance and investment management services built into your plan.
✔ Custom investment strategy – Choose from diversified model portfolios, target retirement funds, or self-directed options.
✔ Streamlined administration – Our partnerships with low-cost plan providers simplify plan setup and management.
Get a Free Retirement Plan Review in 24 Hours
Switching to a better, lower-cost 401(k) shouldn’t be complicated. Request a free quote, and we’ll analyze your existing plan to uncover cost savings and better options for your business.
Your employees deserve a plan that helps them build real wealth—without unnecessary costs. Let’s make it happen. 🚀
Get a Free Retirement Plan Review in 24 Hours
Get started in 3 easy steps
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Our initial meeting is all about you, your business, your goals, and your questions, so that I can determine if we are potentially a good fit.
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I will create a high-level overview for your retirement plan so that you can get a feel for our advice. Whether we work together or part as friends, this overview will be yours.
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I review your retirement plan overview and discuss how you can provide better outcomes for your employees and worry less about your retirement plan. The report I provide helps you complete your fiduciary duty, so you can rest assured you are keeping up with ERISA.
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During your strategy session we will complete your retirement plan overview including opportunities to reduce your time administering the plan and improve employee outcomes. I will not ask you to decide then and there. In fact, we actually want you to sleep on it!
We schedule a quick meeting for the next day to see if you have any questions and see if you want to get started with us.
Either way, the review is yours. No strings attached.
FAQs
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A 401(k) plan advisor helps plan sponsors manage and optimize their retirement plan by ensuring compliance with regulations, selecting and monitoring investment options, and improving plan efficiency. As a fiduciary, we act in the best interest of the plan and its participants, helping you reduce liability and improve outcomes for employees.
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As a plan sponsor, you have a legal obligation to act in the best interests of your employees (plan participants). This includes selecting and monitoring investments, ensuring reasonable fees, maintaining compliance with ERISA (Employee Retirement Income Security Act), and providing clear communication to participants. A 401(k) advisor helps mitigate risk and ensure compliance with these responsibilities.
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I provide fiduciary oversight, meaning we help you meet your responsibilities by offering investment selection guidance, fee benchmarking, plan design optimization, and compliance support. Depending on the level of service, I may serve as either a 3(21) fiduciary, providing recommendations while you retain final decision-making, or a 3(38) fiduciary, taking on discretionary investment management responsibilities.
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3(21) Fiduciary: Provides investment recommendations, but the plan sponsor retains final decision-making authority.
3(38) Fiduciary: Has full discretion to select, manage, and monitor plan investments, reducing the plan sponsor’s liability for investment choices.
I work with you to determine which level of fiduciary support best fits your needs.
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One of our key roles is conducting fee benchmarking to compare your plan’s costs against industry standards. I evaluate investment fees, recordkeeping fees, and administrative costs to ensure your plan remains competitive and cost-effective. If needed, I help negotiate better pricing with service providers.
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Plan sponsors should review their 401(k) plan at least annually to assess investment performance, fees, and regulatory compliance. I facilitate ongoing plan reviews, provide fiduciary training, and suggest plan enhancements to improve outcomes for both the company and employees.
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A well-structured plan should provide a diversified lineup, including:
Target-date funds (TDFs) for participants who prefer a set-it-and-forget-it approach.
Index funds and actively managed funds for those wanting more control.
Stable value or fixed income options for risk-averse participants.
ESG (Environmental, Social, and Governance) investment options if aligned with your company’s values.
I help you construct an appropriate investment lineup based on your company’s goals and participant demographics.
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Yes, employer matching is a great way to boost employee participation and improve retirement readiness. Common structures include:
Basic match: 100% match on the first 3% of salary, plus 50% on the next 2%.
Discretionary match: The company decides the match each year based on financial conditions.
Safe harbor match: Helps avoid nondiscrimination testing while ensuring all employees receive a fair benefit.
I analyze your company’s goals and budget to recommend an optimal match structure.
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Key strategies include:
Auto-enrollment: Automatically enrolling new employees in the plan with an opt-out option.
Auto-escalation: Gradually increasing employee contributions over time.
Financial wellness programs: Providing education on retirement savings and investment strategies.
Clear communication: Ensuring employees understand their benefits through workshops, webinars, and easy-to-read materials.
I help implement these best practices to improve participation and retirement readiness.
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As a plan sponsor, you must comply with several regulatory requirements, including:
ERISA guidelines to fulfill fiduciary duties.
Annual nondiscrimination testing to ensure fairness in plan benefits.
Form 5500 filings to report plan details to the IRS and DOL.
Investment monitoring and fee disclosure to meet fiduciary obligations.
I guide you through these compliance responsibilities and help you stay ahead of regulatory changes.