Heritage Retirement Report

Click here for the January Heritage Institutional Retirement Report.

The Retirement Report provides timely news and updates for plan sponsors and fiduciaries of defined contribution plans.  See the archive for access to all editions.

Retirement Advisors Service Model

Fiduciary Partner

Fiduciary responsibilities can be a challenge for retirement plan sponsors to understand and manage. As a plan advisor, Heritage Institutional is dedicated to providing a holistic process to improve retirement plan outcomes for both employers and participants.

  • Unbiased, expert guidance
  • Advice on plan construction, administration and monitoring
  • Fiduciary compliance/education programs
  • Ensure plan compliance and efficiency
  • Minimize total plan cost
  • Enhance investment opportunities
  • Maximize employee participation
  • Promote understanding

Key Areas for Advisor Assistance

Plan Design

  • Set plan goals and monitor outcomes
  • Select appropriate plan features
  • Ensure plan maintains qualified status

Compliance and Governance

  • Interpret and adhere to ERISA regulation
  • Maintain documentation of important items such as IPS and meeting minutes
  • Interpret testing results

Fee/Benchmarking Analysis

  • Total cost analysis
  • Side-by-side comparison of services
  • Investment platform ranking
  • Fee negotiation


  • Select appropriate investments through 3(21) or 3(38) services
  • Monitor fund performance
  • Select qualified default investment alternatives
  • Benchmark fund fees


Disclosure Information

Argent Institutional Services, LLC (Company”) is an SEC registered investment adviser located in Ruston, Louisiana.    Company may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements.  Company’s web site is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links.  Accordingly, the publication of Company’s web site on the Internet should not be construed by any consumer and/or prospective client as Company’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet.  Any subsequent, direct communication by Company with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides.  For information pertaining to the registration status of Company, please contact the SEC or the state securities regulators for those states in which Company maintains a notice filing.  A copy of Company’s current written disclosure statement discussing Company’s business operations, services, and fees is available from Company upon written request.  Company does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to Company web site or incorporated herein, and takes no responsibility therefore.  All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.

Please remember that different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment or investment strategy (including those undertaken or recommended by Company), will be profitable or equal any historical performance level(s).

Certain portions of Company’s web site (i.e. newsletters, articles, commentaries, etc.) may contain a discussion of, and/or provide access to, Company (and those of other investment and non-investment professionals) positions and/or recommendations as of a specific prior date.  Due to various factors, including changing market conditions, such discussion may no longer be reflective of current position(s) and/or recommendation(s).  Moreover, no client or prospective client should assume that any such discussion serves as the receipt of, or a substitute for, personalized advice from Company, or from any other investment professional.  Company is neither an attorney nor an accountant, and no portion of the web site content should be interpreted as legal, accounting or tax advice.

Please Note: LimitationsNeither rankings and/or recognition by unaffiliated rating services, publications, or other organizations, nor the achievement of any designation or certification, should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if Argent Institutional Services, LLC is engaged, or continues to be engaged, to provide investment advisory services Rankings published by magazines, and others, generally base their selections exclusively on information prepared and/or submitted by the recognized adviser. Rankings are generally limited to participating advisers. No ranking or recognition should be construed as a current or past endorsement of Argent Institutional Services, LLC by any of its clients.  ANY QUESTIONS: Argent Institutional Services, LLC’s Chief Compliance Officer remains available to address any questions regarding rankings and/or recognitions, including providing the criteria used for any reflected ranking.

To the extent that any client or prospective client utilizes any economic calculator or similar interactive device contained within or linked to Company’s web site, the client and/or prospective client acknowledges and understands that the information resulting from the use of any such calculator/device, is not, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice from Company, or from any other investment professional.

Each client and prospective client agrees, as a condition precedent to his/her/its access to Company’s web site, to release and hold harmless Company, its officers, directors, owners, employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/or omissions which are independent of his/her/its receipt of personalized individual advice from Company.

*Please Note: Argent Institutional Services, LLC does not serve as an attorney, accountant, record keeper, pension administrator or insurance agent. Argent Institutional Services, LLC does not prepare estate planning documents or tax returns, nor does it sell insurance products.