fiduciary First guidance

for retirement plan management

Kaizen [改善]  A Japanese concept meaning continuous improvement.
At Kaizen Retirement Plan Consultants, we apply this principle through steady progress, strategic refinement, and disciplined retirement plan management.
We bring a fiduciary-first approach, providing investment recommendations, plan design support, and participant education with clarity and care. Our focus is on supporting plan sponsors in the structured oversight and administration of their retirement plans, while offering employees access to education and resources to help them better understand their benefits.

What Fiduciary Means
 Retirement plan advisors acting as fiduciaries have responsibilities and limitations that depend on their specific ERISA role.
  • 3(21) advisors provide investment recommendations and due diligence, while the plan sponsor retains final decision-making authority and responsibility.
  • 3(38) investment managers have discretionary control over investments, but only within the investment function.
     Both roles are limited to investment-related duties and defined by the scope of each client’s written agreement.