Business Details
Retirement Plan Advisory Services in Addison, TX
Focus 401(k) Group is an independent advisory firm exclusively dedicated to the retirement plan market. With decades of experience working alongside top retirement plan service providers, we specialize in delivering tailored solutions that enhance retirement programs for employers and employees. Our team provides fiduciary services, investment due diligence, and plan design expertise to reduce liability exposure while ensuring compliance with IRS and DOL regulations.We conduct comprehensive analyses of investment options and provider fees, empowering plan sponsors to make informed decisions. Our structured communication model ensures ongoing excellence, and our independent perspective prioritizes the needs of our clients and their plan participants. As a SEC-registered Registered Investment Advisor, we combine deep industry knowledge with a commitment to transparency and client-centric service.
Services
Fiduciary Services
Investment Due Diligence
Plan Design Services
Benchmarking Analysis
Employee Communication
Highlights and features
- Decades of experience working with top retirement plan providers
- Independent fiduciary perspective focused on client needs
- Comprehensive investment and fee benchmarking analysis
- Structured service model ensuring ongoing compliance excellence
- SEC-registered Registered Investment Advisor with industry certifications
Associations and certifications
- Accredited Investment Fiduciary (AIF)
Services
Fiduciary Services
We serve as ERISA 3(21) or 3(38) fiduciaries, developing investment policy statements and conducting quarterly analyses of fund performance, risk, and expenses. Our process ensures diversified, compliant investment menus while providing documentation to reduce fiduciary liability for plan sponsors.
Investment Due Diligence
Our rigorous analysis evaluates investment options using 12 objective metrics including returns, risk assessments, and fee structures. We provide ongoing monitoring and documentation to ensure plan investments remain aligned with participant needs and regulatory requirements.
Plan Design Services
We help employers optimize plan features to match their workforce needs, administrative capacity, and financial resources. Our customized approach considers company size, employee demographics, and long-term business goals to create effective retirement benefits.
Benchmarking Analysis
Our benchmarking process compares plan fees against industry standards and alternative providers. This analysis identifies cost-saving opportunities while ensuring service quality and compliance with fiduciary standards.
Employee Communication
We develop tailored education initiatives to improve participant engagement and financial literacy. Our programs include workshops, digital resources, and personalized guidance to help employees make informed retirement decisions.
People
Michael Rubenstein
Principal and Founder
Finance graduate from University of Maryland with decades in retirement plans. Former ADP Retirement Services VP, Accredited Investment Fiduciary, and advocate for accessible 401(k) plans. Holds FINRA Series 65 license.
Phillip Powers
Principal and Founder
30-year ERISA retirement plan expert with experience at Fidelity and ING. Finance graduate from University of Texas, Accredited Investment Fiduciary, and former Southern Methodist University MBA candidate. Focuses on comprehensive fiduciary solutions.
Questions
What retirement plan services do you specialize in?
We specialize in fiduciary advisory services, investment due diligence, plan design optimization, fee benchmarking, and employee education programs for 401(k) plans.
Are you an independent advisory firm?
Yes, we're an independent SEC-registered Registered Investment Advisor with no affiliations to specific investment products, ensuring objective recommendations focused solely on client needs.
How do you help reduce fiduciary liability?
We provide documented investment policy statements, quarterly fund analysis, and compliance guidance to help plan sponsors meet IRS and DOL requirements while minimizing liability exposure.
What areas do you serve?
While based in Addison, Texas, we serve clients nationwide through virtual consultations and on-site support for retirement plan sponsors across various industries.
How are your services priced?
We offer transparent fee-based advisory services. Specific pricing depends on plan size and scope of services required. Contact us for a customized consultation.
