Broker Check

Full Service 401k Plan Management

An Independent Fiduciary

Southbridge Advisors is a Registered Investment Advisor (RIA). This means we have the fiduciary responsibility to place your interests, and those of your employees, ahead of all others. We provide conflict-free services with fees that are fully transparent. As independent, knowledgeable, and objective professionals, we deliver customized retirement plan solutions for your enterprise. We are a member firm of the National Association of Plan Advisors (NAPA) and its sister organization the American Retirement Association (ARA).

Secure Act 2.0 legislation was signed into law at the end of 2022. The new provisions contain a myriad of mandated and optional enhancements for qualified retirement plans that start to take effect in 2023 and continue into the future. As independent fiduciary retirement plan consultants and investment advisers, we can help you analyze, select, and implement the new rules and options to best serve your organization and plan participants. Our focus on participant education is designed to improve retirement plan outcomes and preparedness for your associates.

Put our proactive experience to work for you. We are confident that our industry know-how, insight, and consultative process will result in a 401k retirement that best suits your business and your employees. Our approach allows us to identify and help you select the appropriate world-class partners for your business or non-profit retirement plan. Selecting Southbridge Advsiors to quarterback your retirement plan is a smart call. You can count on us to deliver excellence for participants and Sponsor alike. 

Participant Services

Our participant services are designed with one goal in mind: to improve retirement readiness for employees. Through both industry standard services and value-added creative strategies, we deliver custom participant education and investment advice. As fiduciaries, our loyalty is to the participants, assuring objective services such as:

  • Participant advice
  • Managed investment models
  • Video enrollment
  • One-on-one retirement plan meetings
  • Onsite education
  • Smartphone and iPad financial planning apps
  • Participant communication, including newsletters, webinars, and seminars
  • Tax credit assistance for participants

Ongoing Investment Monitoring

Are you relying on your record-keeper or a broker for investment monitoring, a process that is inherently conflicted? At Southbridge Advisors we act as the retirement plan investment watchdog, continually reviewing fund selections, fees, and performance. Every quarter we conduct a thorough review of plan investments. Our review and analysis report will highlight actions and specific recommendations. Our proactive monitoring aims to keep investment options on point, keep costs low, and reduce plan liability.

Fiduciary Investment Management

As the sponsor of a 401k plan, the Employee Retirement Income Security Act (ERISA) requires you to meet a number of legal requirements and obligations. Southbridge Advisors serve as a fiduciary manager to all types and sizes of 401k plans. We can provide a number of fiduciary services, from limited advice and assistance as an ERISA 3(21) fiduciary, to full discretionary management as an ERISA 3(38) fiduciary, which relieves the plan sponsor of duties and liabilities for this function. Through our TPA partners, we can also provide 3(16) fiduciary services for retirement plan administration. Plan sponsors can transfer significant responsibility, workload, and liability by working with us.