At cfs investment advisory services, we fix broken retirement plans®

CFS is nationally recognized in the 401(K) & 403(B) plan arena. We help companies fix and build their Retirement Plans. As a business owner or a retirement plan administrator, you know how important it is to provide employees with the right tools to invest responsibly in their future. It affects your ability to attract and retain the best employees, and it is vital to their long-term financial security. Selecting the right retirement plan solution is also essential for the business owner as an individual.

Your Company Retirement Plan

  • As advisors to many retirement plans, we have found that most plans are out of compliance. As a business owner or trustee you are individually and personally liable for any known or unknown acts of non-compliance. As Accredited Investment Fiduciary® professionals, we assist you in fulfilling and sustaining your compliance requirements.

  • CFS surveys your employees to determine the level of their financial knowledge and then delivers a customized, ongoing education program to further enhance their financial future.

  • We help to reconcile the many conflicting points of view in managing your retirement assets and assist the trustees in developing a clear and concise investment menu for your employees.

  • The IPS is a formal, written document that governs your investment management process. CFS will create a customized IPS and provide ongoing monitoring to remain compliant with federal regulations.

  • Using a large independent database that continuously monitors thousands of investments, we selectively craft a custom list of appropriate investment choices tailored to your participants’ needs.

  • Quarterly, we prepare a written fiduciary investment review for the trustees that measures both the quantitative and qualitative performance results established in your IPS.

    Our retirement planning division offers you a state-of-the-art, customized, full-service program designed to help you meet your fiduciary responsibilities and provide an appropriate number of diverse investment options for plan participants.

    After designing and setting up your Investment Policy Statement and your retirement plan, we help you:

    • Monitor your investment managers
    • Conduct on-site education meetings for employees
    • Guide your employees in choosing the appropriate investment options for them
    • Answer employees’ questions at any time

    We adhere to the highest standards of fiduciary excellence in accordance with SAFE, the self-assessment of fiduciary excellence for investment stewards.

  • The third-party administrator is responsible for designing your retirement plan as well as providing IRS compliance.

  • The independent custodian provides safekeeping of retirement assets, collects your ongoing payroll deposits and coordinates electronic notification to your record-keeper.

401(k) Success Paradigm

401(K) Success Paradigm

  • We evaluate and monitor thousands of mutual funds to select the most appropriate combination of investments based on your employees’ needs.

  • High participation levels allow owners and key employees to maximize their benefits under current tax law.

  • Through our customized education programs, we inform participants about the necessity of planning for their future.

  • Many employers are unaware of the true total costs of their retirement plan. We examine and highlight many cost saving opportunities.

  • As advisors to many retirement plans, we have found that most plans are out of compliance. As a business owner or trustee you are individually and personally liable for any known or unknown acts of non-compliance. As Accredited Investment Fiduciary® professionals, we assist you in fulfilling and sustaining your compliance requirements.

  • Your third-party administrator or record-keeper is responsible for IRS compliance, which is distinctly different from fiduciary compliance. As your advisor, we assist in identifying experts in this area.

  • Your time and attention is best spent on managing your business. CFS has over 25 years of proven success in simplifying the costly and burdensome operational processes of retirement plans.

Add common financial sense to your life


Form CRS

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, Certified Financial Planner™,  CFP Logo Flame Design and  CFP Logo Plaque Design in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.

CFS Investment Advisory Services LLC is a Registered Investment Advisor ("RIA"), located in the State of New Jersey. CFS is registered with the SEC. CFS Investment Advisory Services provides investment advisory and related services for clients nationally. CFS Investment Advisory Services will maintain all applicable registration and licenses as required by the various states in which CFS Investment Advisory Services conducts business, as applicable. CFS Investment Advisory Services renders individualized responses to persons in a particular state only after complying with all regulatory requirements, or pursuant to an applicable state exemption or exclusion.