Retirement Plan Consulting in Sacramento

Fiduciary Retirement Plan Guidance for Sacramento Businesses

At Towerpoint Wealth, we serve as a dedicated partner to Sacramento-area businesses seeking clarity, confidence, and results in managing their workplace retirement plans. Whether you’re offering a 401(k), 403(b), or profit-sharing plan, we help you build and maintain a retirement program that aligns with your goals, reduces fiduciary risk, and delivers lasting value to your employees.

As an independent fiduciary retirement plan consultant, we are legally and ethically obligated to act in the best interest of your plan and its participants. That means no hidden agendas, just experienced, objective advice to help you run your plan with confidence.

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Customized Retirement Plan Solutions for Sacramento Employers

Plan Design That Aligns With Your Business Goals

Every business is different, and your retirement plan should reflect that. We work closely with business owners, HR leaders, and administrators in Sacramento to design workplace retirement plans that support recruiting, retention, tax efficiency, and employee engagement.

We help you evaluate and implement a range of plan types and features, including:

• Traditional and Safe Harbor 401(k) plans
  
• 403(b) plans for nonprofits and public institutions
  
• Profit-sharing and employer match structures
  
• Roth options, vesting schedules, and eligibility rules

Our goal is to create a plan that supports your workforce today, and scales with you tomorrow.

Fiduciary Oversight That Reduces Your Risk

Retirement plan sponsors carry a legal responsibility to act prudently and in the best interest of plan participants. We help you fulfill that responsibility with structure, documentation, and confidence.

As your fiduciary consultant, we assist with:

• Plan governance oversight
  
• Investment policy statement development
  
• Operational compliance and regulatory updates
  
• Annual plan reviews and audit preparation

We don’t just help you meet the standard, we help you elevate it.

Fee Benchmarking and Cost Transparency

Hidden or excessive plan fees can erode participant balances and expose your company to unnecessary risk. We provide full fee benchmarking services, comparing your plan’s costs to industry standards to ensure competitiveness and transparency.

We analyze:

• Recordkeeping and administrative fees
  
• Investment management expenses
  
• Advisor compensation structures
  
• Provider pricing and alternatives

You’ll know exactly what you’re paying, and why.

Investment Lineup Optimization

We help you construct and maintain an investment lineup that empowers employees to make confident, informed decisions.

Our investment consulting includes:

• Prudent fund selection tailored to participant demographics
  
• Ongoing performance monitoring and rebalancing guidance
  
• Glide path analysis for target date funds
  
• Alignment with plan goals and fiduciary best practices
  

This approach ensures that your participants have access to diversified, high-quality investments designed for long-term success.

Improving Employee Outcomes With Education and Advice

Personalized Participant Education

Many employees don’t take full advantage of their retirement plan, not because they don’t care, but because they don’t know the true value of their plan. We deliver personalized, engaging education to help your employees become active participants in their financial futures.

We offer:

• Enrollment meeting support
  
• Financial wellness presentations (virtual or on-site)
  
• Custom content on saving, investing, and planning
  
• Communication strategies that build trust and participation
  

Individualized Financial Guidance

Participants in your plan gain access to personalized financial guidance, so they’re not left navigating complex decisions alone. From contribution planning to retirement readiness assessments, we help your employees make smarter, more confident choices.

Why Sacramento Companies Choose Towerpoint Wealth

Local Expertise, Personalized Service

We live and work in the Sacramento community and understand the needs of regional employers. Whether you’re a medical practice, professional services firm, nonprofit, or privately held business, we provide responsive, relationship-driven service built on trust and accountability.

True Fiduciary Commitment

We operate under a fiduciary standard, always. That means we’re not tied to proprietary products or paid to recommend specific funds. Our loyalty is to you and your employees, and our only goal is to serve your best interest.

Long-Term Strategic Partnership

We don’t disappear after the plan is set up. We serve as an ongoing advisor, conducting regular reviews, monitoring compliance, and helping you adapt your plan as your business evolves.

Our Retirement Plan Consulting Process

Step 1: Discovery and Plan Assessment

We begin with a comprehensive review of your current plan, goals, participant demographics, and pain points.

Step 2: Strategy, Design, and Provider Coordination

We design your plan structure, evaluate provider options, and coordinate the transition or implementation process.

Step 3: Implementation and Compliance Support

From documentation to employee communication, we guide every step of the rollout to ensure compliance and confidence.

Step 4: Ongoing Monitoring, Education, and Optimization

We stay involved with proactive reviews, participant education, investment oversight, and fiduciary guidance.

Serving Sacramento and the Surrounding Business Community

Towerpoint Wealth proudly serves businesses throughout the Sacramento metro area, including surrounding towns and professional networks. Whether you’re based in Midtown, Roseville, Elk Grove, or Folsom, our team provides hands-on consulting tailored to your region and workforce.

If you’re a business owner, HR executive, or plan administrator looking for deeper retirement plan insights, we’re here to help.

Ready to Optimize Your Retirement Plan?

Let’s Talk About a Smarter Approach to Retirement Plan Consulting in Sacramento

Whether you’re reviewing an existing plan or building one from the ground up, Towerpoint Wealth is ready to be your fiduciary partner. We’ll help you reduce risk, improve employee outcomes, and gain confidence in your retirement plan strategy.

Schedule an appointment today to learn how we can support your business and your team.