Positive Retirement Outcomes, LLC

Positive Retirement Outcomes, LLC (PRO) is on a mission to improve retirement outcomes in America. The predictable employer-paid pensions of the past are gone and we live in the “you pay” world of the 401(k).  But markets are volatile, regulations are increasingly complex, litigation is a growing threat, and costs are too high.

Most employers are not staffed to address the challenge. Nor should they be, that is not what they do to make a profit. Today’s competitive business climate requires lean and focused staffing to produce a healthy bottom line. That’s why we created PRO. Our firm fills the gap between the employer and the marketplace of service providers in the 401(k) industry. When it comes to managing your 401(k) plan, Positive Retirement Outcomes, LLC can be insourced to address your needs. The result of more than 60 years of personal practice, experience, observation and study, PRO has distilled the requisite components and emerged with a solution that protects employers and positions workers for positive retirement outcomes.

Our expert services are process and results driven to help you with:

• Plan Governance & Fiduciary Training
• Investment Selection & Monitoring
• Vendor Selection, Cost Analysis, Benchmarking & Operational Oversight
• Plan Design
• Participant Education and Advice

You and your employees benefit from our unique solution through our:

• Independence: PRO is a truly independent Registered Investment Adviser held to a legal standard of loyalty. We must put the interests of our clients first. PRO is not affiliated with any broker-dealer or other firm that could give rise to the potential for conflicts of interest. We do not sell products to anyone, nor provide services to individuals outside the scope of their employment - a structure which, by design, helps eliminate conflicts of interest under ERISA, as well as other potential workplace liabilities for employers.
• Experience: Key personnel each have more than 20 years industry experience with the evidence of expertise demonstrated by industry designations including Accredited Investment Fiduciary Analyst®, Accredited Investment Fiduciary®, and Chartered Financial Consultant. PRO is a member of the American Society of Pension Professionals and Actuaries (ASPPA) and the Plan Sponsor Council of America (PSCA).
• Specialization: Employer sponsored retirement plans are not just our primary business, they are our ONLY business.
• Documentation: PRO documents client relationships with written agreements detailing our services and fees and acknowledging our role as a fiduciary to your plan. We maintain specialized fiduciary liability insurance for your benefit and help you document a prudent process.
• Advice: Are you paying too much? Is your plan a bigger risk than it is a benefit? Are you in compliance with ERISA, IRS, and Department of Labor regulations? Will your employees enjoy a dignified retirement? How would you know? We assure you have the right answers to these and other critical questions generating positive retirement outcomes.

Maximizing value and minimizing risk for workplace retirement plans