Retirement Plan Consulting

At FiduciaryFirst, our Plan Success Method includes a comprehensive approach to best practices we call Prudent Fiduciary Process (PFP) and an exciting approach to participant success known as The Participant EffectSM.

Prudent Fiduciary Process

Fiduciary and regulatory risk can expose you to personal liability, as well as threaten your balance sheet, your retirement plan, and the future of your business.

FiduciaryFirst works in concert with your retirement plan committee to deliver an innovative fiduciary process designed expressly to help manage liability while building a plan that benefits your employees and your business.  Our Prudent Fiduciary Process (PFP) encompasses major pension laws, trust statutes, and industry best practices, and provides an efficient and formalized methodology for fiduciary governance and due diligence.

By encompassing all major pension laws, trust statutes, and industry best practices, FiduciaryFirst’s Prudent Fiduciary Process (PFP) provides an efficient and formalized fiduciary risk management and due diligence process. Additional services include executive benefits, plan conversion, merger & acquisition assistance, compliance assistance, and coordination with other third-party consultants.

We use participant-focused education tools in conjunction with The Participant EffectSM to guide your employees toward better, more informed decisions that help them pursue their retirement goals.

Financial Wellness

The Participant EffectSM is a guidance based, beginning to end retirement solution to help your employees create confidence in your financial life.  Our goal is to help your employees reach a retirement by becoming financial well.  

How does it work?

Financial Wellness Assessment: The Participant EffectSM program begins with an online Wellness Assessment. This brief survey will ask your employees general questions regarding their financial history to get a gauge of their overall financial wellness. Upon completion, they will be provided with their Financial Wellness Score and a customized action plan based on their individual needs and goals.

Group Education Workshops: The Participant EffectSM will analyze the wellness assessment results from your employees. Based on the aggregate responses, we will hold in person and web based education workshops covering a wide range of topics including but not limited to: college planning, investment basics, how to manage debt, planning to buy a home, etc.

One-on-One Meetings: The Participant EffectSM also offers one-on-one meetings with financial advisors. These meetings may be in person, via webinar or conference call. Our financial advisors are available to your employees on an ongoing basis, not just for a one-time meeting. And, these meetings are intended to go beyond the scope of your company sponsored retirement plan – our advisors are happy to speak with your employees about all of their financial needs and goals, they are even welcome to bring your spouse to meetings!

If you’d like more information, please contact The Participant EffectSM at 888-968-9168 or This email address is being protected from spambots. You need JavaScript enabled to view it.   

Plan Success Method

Of course, all Employers want their plan to be a success. Using the Plan Success Method, our advisors serve as your proactive co-fiduciary, working with your management team to carefully:

  • Utilize Prudent Fiduciary Process (PFP) to lead robust and well-documented best practices.
  • Establish plan goals and a definition for success.
  • Measure plan performance against goals and benchmarks using a calendar and detailed long-term strategy.
  • Utilize The Participant EffectSM(TPE) Program to drive participant success.
  • Develop a well-defined and consistent process.
  • Continuously document processes and store all plan best practices in our server-based proprietary Client LockBox.
  • Structure processes, contracts, documents, and safe harbor regulatory opportunities to help manage personal and corporate liability.
  • Follow all known DOL and IRS regulations.

Not only do all governmental and qualified plans require fiduciary oversight, but employers are responsible for demonstrating their fiduciary due diligence. Since the primary reason for Department of Labor (DOL) scrutiny or litigation involving retirement plans is either lack of consistency or outright lack of process, the opportunity for plan sponsors is to put in place a consistent process that manages risk and maximizes benefits to both their organization and plan participants.

FiduciaryFirst's Plan Success Method has helped organizations across the country to do just that by leveraging best practices and carefully considering the many components that drive participant success while significantly reducing risk to the organization.

Won't you join them?


Retirement Plan Consulting

At FiduciaryFirst, our top priority is helping you pursue retirement plan success.

As a Employer, you need to not only help your plan employees build effective retirement plans, but also ensure their success contributes to the success of your organization. FiduciaryFirst provides proven, consistent processes to help you address both of these critical goals. Using our PlanSuccessSystemSM, we can help you:

  • Align your organizational & operations goals with your retirement plan .
  • Identify the right set of tools to help maximize benefits to your organization and your plan employees.
  • Assist with plan design, funding, investing, and governing.
  • Develop a strategy to define independence.
  • Implement a customized process that aligns your definition of independence with regulatory compliance
  • Measure success and define goals over time.

We leverage our decades of experience, research, and knowledge with proven behavioral finance strategies (delivered via The Participant EffectSM) and fiduciary best practices (delivered via our Prudent Fiduciary Process) to propose practical solutions that help drive participants to make the right decisions for success.  Working in direct collaboration with your executive team, we will evaluate your existing plan, develop plan success goals, propose improvements, and measure results, all while maintaining the highest degree of fiduciary prudence and process.  Some of the different types of fiduciary services we offer are 3(38) fiduciary, 3(21) fiduciary, pension consulting and ERISA plan consulting.

Fiduciary Risk Management

At FiduciaryFirst, we're committed to helping manage the many forms of risk facing your organization every day.

Fiduciary risk and regulatory risk can threaten your balance sheet, your retirement plan, and the future of your business. The installation of Prudent Fiduciary ProcessSM (PFP) serves to pave the way for plan success while also addressing fiduciary liability.

  • Most employers don’t realize that their service providers are not fiduciaries (this includes recordkeepers, brokers, and any "401(k) in a box", Reg 457(b), 403(b), 401(a) vendors).
  • Some service providers cannot -- and will not -- provide the internal processes necessary to demonstrate fiduciary responsibility.
  • Appropriate risk defenses may not be available to an employer that relies on an internally manufactured or incomplete and inconsistent process.

Call us today at 1-866-625-4611 to learn how FiduciaryFirst’s Prudent Fiduciary ProcessSM can help your organization manage risk and help ensure your future.

Investment Advisory Services

Investment advisors can include money managers, investment consultants, and financial planners. One thing all these jobs have in common, though, is that they are regulated by the US Investment Advisors Act of 1940. Enacted to address abuses that may have contributed to the market crash of 1929, the Act clarifies the fiduciary relationship that investment advisors have, and seeks to eliminate conflicts of interest between investment advisors and their clients.

Who are investment advisors?

An investment advisor is defined as any person or firm that is engaged in the business of providing advice, or issues reports or analysis about securities, for compensation. An investment advisor must meet all of these criteria to be defined as an investment advisor.

How do you know who is an investment advisor?

Any firm or individual that fits the criteria must register as an investment advisor with the Securities and Exchange Commission (SEC). There are some exceptions to registration. Some companies or individuals who may fit the criteria – like banks, bank holding companies, some lawyers and accountants, teachers, and some brokers and dealers – are exempt from registration. Any person or firm that is registered, however, must follow the fiduciary requirements of the Act.

What are the rules for registered investment advisors?

The Act provides a very broad fiduciary duty for registered investment advisors – they must act in the best interest of their clients. Investment advisors must avoid all conflicts of interest and can’t take unfair advantage of a client’s trust. Registered investment advisors must fully disclose any material facts to their clients and provide only suitable advice.

FiduciaryFirst, LLC follows the high fiduciary standards set by the US Investment Advisors Act. We act in the best interests of our clients, based on their financial needs and investment objectives, and make suitable and appropriate recommendations or decisions on behalf of our clients. We would be happy to discuss our fiduciary standards and the services we provide with you. Contact us today for more information about FiduciaryFirst.

Client Lockbox

Contact Details

1060 Maitland Center Commons

Suite 360

Maitland, FL 32751

Phone: 866-625-4611

Fax: 407-740-6113