Helping You Honor Your Commitment to Their Future

Wealthspire brings decades of fiduciary experience to help retirement plan sponsors strengthen fiduciary governance, build and maintain better retirement programs, and improve outcomes for the people they serve.

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Expertise that Empowers
Your Employees’ Success

A well-run retirement plan is one of the most valuable benefits you can offer your employees, but it’s also one of the most demanding fiduciary responsibilities your organization carries.

Wealthspire Institutional serves retirement plans of every size, working directly with plan sponsors as a true co-fiduciary partner to help reduce plan costs, strengthen governance, and give every participant a real path to retirement readiness.

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Plan Types We Serve

  • 401(k) Plans
  • 403(b) Plans
  • 401(a) Plans
  • 457(b) Plans
  • Pension Plans
  • Cash Balance Plans
  • MEPs
  • PEPs
  • Profit Sharing Plans
  • Non-Qualified Plans

Problems We Solve

  • Strengthening fiduciary governance
  • Enhancing sub-optimal plan design
  • Reducing investment and administration expenses
  • Increasing participant engagement and value

Retirement Advisory Services

Defined Contribution

We advise on 401(k), 403(b), and similar plans, working to optimize investment menus, reduce expenses, and support participants on their path toward retirement readiness. We offer both 3(21) advisory and 3(38) discretionary services depending on the level of delegation that makes sense for your committee.
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Wellness by Wealthspire

A strong retirement plan is a powerful retention tool. Employees understand the value of a competitive fund lineup, lower fees, and access to financial wellness resources.

Wellness by Wealthspire delivers financial education, coaching, and digital tools that help employees engage meaningfully with their retirement plan and build long-term financial confidence. Plan sponsors can offer the service as part of a comprehensive benefits package, while organizations outside the retirement plan context can also engage it as a standalone service.

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Pooled Employer Plans (PEPs) 

The Wealthspire Institutional PEP is a new kind of retirement plan enabling employers of all sizes to join together for efficiency and cost savings. We offer organizations another option in choosing the most beneficial retirement plan structure to help their employees prepare for retirement.

WealthspIRA

Take control of your retirement with professional guidance and low-cost investments built for your goals. Regardless of your age, income, or account balance, we provide solutions to today’s most pressing retirement savings concerns. With a quick online setup, you can open your IRA in minutes and stay focused on your long-term goals. WealthspIRA gives you access to a broad range of low-cost, carefully selected investment options, as well as the option to get personalized investment advice.

Defined Benefit

We bring disciplined consulting to pension plans, covering asset allocation, liability-driven investing, funding analysis, and de-risking strategies for both active and frozen plans.

From establishing risk and return objectives, to navigating variable, fixed or market rate designs, we develop cash balance plan investment strategies aligned with your interests. Our extensive experience with law firms and other professional services organizations fuels our ability to create and implement a tailored approach to cash balance plans.

We also maintain a dedicated Taft-Hartley practice and work with public and municipal plans alongside traditional corporate defined benefit clients.

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Third-Party Administration

For retirement plans that need back-end administrative support, we offer Third-Party Administration services covering compliance testing, plan administration, and related requirements.

Healthcare Fiduciary Services

As health plan litigation, transparency requirements, and fiduciary expectations continue to evolve, our Group Benefits fiduciary governance services help employers establish and maintain a documented process for overseeing their health and welfare benefit plans. Through governance reviews, fiduciary committee support, and monitoring of emerging regulatory and litigation developments, we help plan sponsors strengthen compliance, reduce fiduciary risk, and demonstrate procedural prudence under ERISA.

Let’s Build a Better Plan Together

Our advisors bring decades of experience consulting on strategy and managing the financial complexities of all types of retirement plans. Let’s talk about what is right for your organization and employees.

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Frequently Asked Questions

Yes. Wealthspire Institutional can serve as either a 3(21) or 3(38) co-fiduciary, depending on the level of discretion and responsibility your committee delegates for investment selection and monitoring.

We serve plans of every size.

Greater scale means greater negotiating power. With more collective assets under advisement, we are able to negotiate better fund pricing on behalf of the plans we serve.

We work across defined contribution plans including 401(k), 403(b), 401(a), and 457(b) plans, as well as defined benefit plans including traditional pensions and cash balance plans. We also serve Taft-Hartley plans and public and municipal plans.

A cash balance plan is a defined benefit plan that functions as a second tax-deferred savings vehicle for organizations and their key earners. It is particularly valuable for law firms, medical practices, and other professional services organizations where partners and physicians have already maxed their 401(k) contributions. A cash balance plan allows them to shelter significantly more income on a tax-deferred basis each year. Wealthspire Institutional has deep experience establishing and managing these plans.

Yes. Wellness by Wealthspire delivers financial education, coaching, and digital tools that help employees engage with their retirement plan and build long-term financial confidence. It can be offered as part of a comprehensive benefits package or engaged as a standalone service.

Third-Party Administration covers the back-end compliance testing and administrative work required to keep a retirement plan running properly. Wealthspire Institutional offers TPA services primarily for small and mid-sized organizations that need expert handling of these requirements.