We design and manage retirement plans for corporations, not-for-profits, and government entities. We offer a distinctive combination of an SEC Registered Investment Advisor* and a state-of-the-art Third Party Administrator/Recordkeeper which creates The Certified Difference!®.
The Certified Difference!®
Certified Advisory Corp
An SEC Registered Investment Advisor*
- ERISA 3(38) Fiduciary Services
- 100% Revenue Sharing
- Full Disclosure
- Thousands of NO Load Funds*
- Prudent Investment Process
- NO Proprietary Products
- CEFEX Certified
Certified Benefits Corp
A Third Party Administrator/Recordkeeper
- Morningstar® as co-fiduciary to plan participants
- Daily Valuation
- Open Architecture
- Custom Plan Design
- Customized Enrollment Kits & Statements
- Customized Plan Sponsor Website
Managing Your Risk As An Employer
WE PUT IT IN WRITING! That is The Certified Difference!®.
There are two major risks that employers have when providing 401k programs to their employees. These issues are claims arising from Section 404(a) and 404(c) regarding plan expenses and employee education. These risks are:
- Exposure from future claims by participants (or their families) that their 401(k) was not managed properly.
- Exposure from future claims by participants that they were not given adequate investment advice.
Through its affiliates, Certified Financial Group mitigates these two major liability issues facing employers today. Acting as a fiduciary under ERISA, Certified Advisory Corp, an SEC Registered Investment Advisor, mitigates employer liability against 404(a) claims by plan participants. WE PUT IT IN WRITING!
And, as a provider of investment advice, Morningstar® Associates acts as co-fiduciary to plan participants. Through its affiliation with Certified Benefits Corp, a Third Party Administrator and Recordkeeper, Morningstar® Associates supports 404(c) compliance by offering employees in-depth education regarding their investment alternatives.
Assets Custodied with
404(c) Compliance by
*Clearing and custody services provided by Fidelity Brokerage Services LLC. Member NYSE/SIPC