401(k)/403(b) Retirement Plan Services for Businesses
AT CFS INVESTMENT ADVISORY SERVICES,
we fix broken retirement plans®.
If you're a business owner looking to improve your company’s 401(k) or 403(b) retirement plan, you're in the right place. We work with small and mid-sized businesses to design, implement, and manage retirement plans that serve your company and your employees.
Comprehensive 401(k) and 403(b) Plan Support
Designing and managing a retirement plan involves more than choosing investments. As a plan sponsor, you’re responsible for operations, fiduciary oversight, and employee engagement — and each piece needs to work together.
We provide structured, ongoing support across three key areas:
Plan Operations & Administration
A well-run retirement plan starts with strong design and efficient administration. We help you build a plan that fits your business and continues running smoothly year after year.
- Custom plan design and enhancement
- Plan benchmarking and fee analysis
- Vendor selection and cost comparisons
- Ongoing plan and participant reporting
- Plan sponsor training and guidance
- Quarterly review meetings and reporting
Our goal is simple: keep your plan efficient, competitive, and aligned with your business goals.
Fiduciary & Compliance Support
Many business owners aren’t fully aware of their fiduciary responsibilities — until there’s a problem. We help you stay ahead of regulatory requirements while protecting your role as plan sponsor.
- Fiduciary guidance
- Investment selection and ongoing monitoring
- Investment Policy Statement creation and review
- Fee benchmarking and documentation
- Regulatory updates and legislative monitoring
As Accredited Investment Fiduciaries® (AIF®), we provide structured oversight designed to help you meet your legal obligations with clarity and confidence.
Employee Education & Engagement
A retirement plan only works if employees understand it and use it. We focus on making participation easier and more meaningful.
- Educational workshops
- One-on-one meetings
- Enrollment support
- Clear explanation of investment options
When employees understand their options, participation improves — and your retirement plan becomes a benefit your team truly values.
We Partner With You Long-Term.
We frequently see outdated plans or overpriced providers when helping businesses like yours. We’re here to clean that up—and keep it clean, because our work doesn’t stop at setup. We stay involved—quarterly reviews, plan updates, employee workshops, and clear reporting that helps you stay on top of your retirement plan.
Fiduciary Oversight You Can Count On
As Accredited Investment Fiduciaries® (AIF®), we provide fiduciary guidance that puts your interests first. We help you meet your legal responsibilities as a plan sponsor while making sure your employees get access to a well-run plan with clear investment options.
This isn’t just about compliance. It’s about building a benefit your team will actually value.
What Drives a Successful Retirement Plan?
A well-designed retirement plan does more than check the boxes—it delivers real value to your employees and your business. We focus on the key drivers of satisfaction: a diverse investment lineup, clear education, strong participation, cost control, and both fiduciary and IRS compliance. By improving efficiency and keeping your plan aligned with current regulations, we help you offer a benefit your team can count on and appreciate.