Retirement plan advice for businesses
Your company’s retirement plan, with a real advisor behind it.
Fusion Funds helps plan sponsors build, monitor and document their plan’s investment menu as a non-discretionary ERISA 3(21) co-fiduciary. Simple to work with. A named advisor on every plan.
Aaron Smith reviews every plan personally.
[HEADSHOT] · [CREDENTIALS AS LISTED ON IAPD]
Plan review snapshot
Example Co. 401(k)
Illustration only. Not a client plan.
ERISA 3(21) co-fiduciary
We recommend. You keep the final decision.
A named advisor on every plan
A person, not a chatbot, answers your questions.
Transparent, tiered fees
Disclosed in our Form ADV Part 2A.
How it works
We sit beside your recordkeeper and TPA, on your side of the table.
Keep the providers that work. We add the fiduciary process, documentation and participant education your plan committee needs.
You
Plan sponsor
Owner, trustee, HR or finance lead. Makes final plan decisions.
Your advisor
Fusion Funds
3(21) co-fiduciary. Menu, IPS, fee benchmarking, documentation.
Providers
Recordkeeper & TPA
Administration, testing and recordkeeping. We coordinate with them.
Your team
Participants
Employees get a clear menu and plain-language education.
1
Review
A 20-minute call, then a written review of your current menu, fees and fiduciary file.
2
Recommend
We put an investment policy statement in place and recommend fund changes. Your committee approves.
3
Monitor
Quarterly monitoring, annual fee benchmarking, meeting minutes and participant education, on a calendar.
Why an advisor-led plan
A documented fiduciary process
Fees benchmarked every year
A named person who answers
Retirement plan services
Everything a plan committee needs to run a prudent process.
401(k), profit-sharing and money purchase plans. We serve as a non-discretionary 3(21) co-fiduciary: we provide recommendations, and the plan sponsor retains authority over investment decisions.
Fund menu selection and monitoring
We recommend a lineup and review it every quarter against the criteria in your investment policy.
Investment policy statement
A written IPS that sets how funds are chosen, measured and replaced. The backbone of a prudent process.
Fee benchmarking
An annual look at what the plan pays its providers, compared with plans of similar size.
Fiduciary documentation
Meeting agendas, minutes and review records kept in one plan file, ready if anyone asks.
Participant education
Enrollment meetings and plain-language materials that help employees use the plan.
Switching providers
Help comparing recordkeepers and TPAs and managing a conversion when a change makes sense.
Pension consulting
Defined benefit and cash balance plans, coordinated with your actuary.
We help trustees set investment policy for DB and cash balance plans and work alongside the plan’s actuary and TPA, so the investment side and the funding side stay in step.
Investment policy written for the plan’s liabilities and time horizon.
Actuary and TPA coordination on assumptions, contributions and reporting.
Trustee reporting with documented reviews for the plan file.
Who we serve
Built for the people responsible for the plan, with a focus on Southern California.
Business owners
Starting a plan or fixing one that has drifted.
HR and finance leads
Running the plan alongside a full-time job.
Trustees
Overseeing trustee-directed and defined benefit plans.
Multiple-employer plans
PEPs and MEPs that need one consistent process.
About
Aaron Smith
Founder and advisor · [CREDENTIALS AS LISTED ON IAPD]
[BIO – two to three sentences, matching IAPD and Form ADV Part 2B.]
Fusion Funds was built on a simple idea: retirement plan oversight should be as easy to work with as modern software, with an accountable person behind every recommendation.
Book a plan review
20 minutes. Your plan, reviewed by a person.
Bring your current fund lineup and fee disclosure if you have them. You leave with a clear view of where the plan stands.