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Retirement Plan Advisors

Fiduciary advisory services in a transparent, unbiased format that are service provider and investment agnostic. We work for our clients, not the service providers.

Retirement Plan Consulting Services Overview

Transparent, Unbiased Advisory Services

Heritage Retirement Plan Advisors is a Registered Investment Advisor with the SEC that specializes in providing fiduciary and investment advisory services to employer sponsored qualified and non-qualified retirement plans.

We have been providing our plan sponsor clients with unbiased advice since 2008. Our clients range from large publicly traded companies to multi-generationally owned family businesses to non-profits to municipalities. We provide advisory services in a transparent, honest format that is service provider and investment agnostic. We work for our clients, not the service providers.

 

Heritage Retirement Plan Advisors is proud to announce that we are now a CEFEX* certified Investment Advisor.

 

 

At a Glance:

  • Retirement plan advisory clients: 73
  • Participants served: 31,800
  • Total plan assets: $1.1b
  • Demographic Region: Colorado, Louisiana, Mississippi, Missouri, New Mexico, Oklahoma, Tennessee, Texas

Why Choose Heritage

Heritage Retirement Plan Advisors is proud to announce that we are now a CEFEX* certified Investment Advisor.  We are the only CEFEX certified Investment Advisors in Oklahoma.

CEFEX is an independent global assessment and certification organization. Its mission is to promote and verify excellence by assessing and certifying conformity to high professional standards of conduct.

Our CEFEX certification means we understand the importance of having a documented investment process, thereby helping promote our client’s confidence that their investment strategies are being prudently organized, formalized, implemented and monitored. Additionally, our firm is being annually monitored by an independent third party, which effectively helps our clients manage their fiduciary obligations.

Our holistic advisory process has 6 major components:

Investment Due Diligence

Our proprietary Scorecard System that incorporates 15+ quantitative and qualitative metrics is presented quarterly to the committee as an easy 10 point scoring system.

Fiduciary Compliance

Our program provides resources as a means to identifying potential weaknesses in your plan and remedy through education, diligence, and process.

Provider Benchmarking

Our B3 Provider Analysis report includes 400+ data points in key areas: Recordkeeping, Total Plan Cost, Investment Management, Compliance, Employee Education, and Technology. We provide an apples to apples comparison report to the committee.

Target Date Fund Consulting & Risk Analysis

Risk based analysis to ensure the proper selection of a new or existing TDF. Since most TDF serve as the plan QDIA, due diligence of the TDFs should be done every couple of years.

Plan Design/Behavioral Health

We lead the committee through a behavioral health audit to assess the design of the plan in order to improve participant outcomes through positive choice architecture, plan design and match optimization.

Financial Wellness Education

Providing employee with access to financial wellness education is a priority. Personal financial issues and debt are the leading causes absenteeism and workplace stress. Employee deserve tools that meet them where they are today. Financial wellness focuses on budgeting, emergency funds, credit cards debt, basis financial management, and financial stewardship.

Our Retirement Plan Consulting Services Can Include**:

  • Investment committee support for a variety of plan types, including 401(k), 403(b), 457, profit sharing, money purchase pension, 401(a), defined benefit, cash balance and non-qualified
  • Investment Policy Statement development
  • Quarterly Meetings that include fiduciary education, market review, fund performance and review and meeting minutes
  • Platform selection, with periodic price evaluation
  • Fund selection, including low-cost target date funds
  • Target date series suitability
  • Qualified default investment alternatives selection
  • 3(21) or 3(38) Fiduciary Capacity
  • Participant education

Important Disclosure Information

Access our FORM ADV here

*Please Note: Limitations. No achievement of any professional designation or membership in any professional organization, or any amount of prior experience or success, should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if Argent is engaged, or continues to be engaged, to provide investment advisory services

**Please Note: Limitations. The scope of any consulting services to be provided depends upon the terms of the engagement, and the specific requests and needs of the client. Argent does not serve as an attorney, accountant, or insurance agent. Argent does not prepare legal documents, tax returns, nor does it sell insurance products.

Complete the form below to begin a discussion with a Heritage professional about this service:

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