Retirement Plan Consulting
Fiduciary Guidance for Employer-Sponsored Plans
Retirement Plan Consulting in Orange County & Beyond
Offering a retirement plan is one of the most impactful benefits a business can provide, but it comes with fiduciary responsibilities and regulatory requirements. At Montage Wealth Advisors, we partner with business owners and plan sponsors in Orange County and beyond to design and maintain effective retirement plans. Our fiduciary role help ensure your plan is compliant, competitive, and designed to benefit both your business and your employees. Whether you’re establishing a new plan or seeking a review of your current one, we provide the expertise and ongoing support needed to help reduce risk and deliver value.
Plans That Work for Employers and Employees
Comprehensive Retirement Plan Consulting Services
A strong retirement plan can boost employee satisfaction while also creating valuable tax benefits for employers. We help businesses structure and manage plans that support growth, retention, and long-term financial wellness.
Plan Design & Implementation
Assistance in choosing and structuring plans that align with your company’s size, goals, and workforce demographics.
Fiduciary Oversight & Compliance
Ongoing monitoring to help ensure ERISA compliance, reduce fiduciary liability, and protect plan sponsors.
Investment Menu Development
Selecting and reviewing a lineup of investment options that are diversified, cost-effective, and suitable for participants.
Employee Engagement & Education
Providing workshops and one-on-one sessions to help employees understand and maximize their retirement benefits.
Plan Reviews & Benchmarking
Evaluating fees, services, and performance to confirm your plan remains competitive in the marketplace.
Business Owner Strategies
Structuring plans to maximize benefits for owners and executives while still meeting employee needs.
Guidance for Business Owners & Plan Sponsors
Frequently Asked Questions About Retirement Plan Consulting
Do I need a consultant if I already have a retirement plan?
Yes. Many businesses benefit from periodic plan reviews to identify cost savings, improve compliance, and enhance employee outcomes.
What does it mean to be a fiduciary for a retirement plan?
As fiduciaries, we are legally obligated to act in the best interests of plan participants. This reduces liability for business owners and help ensures employees receive objective guidance.
Can you help transition from an existing provider?
Absolutely. We assist with plan transitions, including investment changes, employee communication, and helping to ensure a smooth handoff from your prior provider.
Do you offer retirement plan education for employees?
Yes. We provide group sessions and one-on-one meetings to help employees make informed decisions about their retirement savings.
What types of plans do you consult on?
We advise on 401(k)s, 403(b)s, SIMPLE IRAs, SEP IRAs, and other employer-sponsored retirement plans. Each plan is customized to fit the unique needs of your business.