EverKey Financial LLC

EverKey Financial LLC provides retirement plan consulting to corporate, governmental, not‑for‑profit and private education clients, advising on qualified and non‑qualified plans such as 401(k), 403(b), 457(b), deferred compensation and defined benefit plans. Its plan‑level services include 3(21) and 3(38) fiduciary engagements and related work such as recordkeeper/TPA search and analysis, fee benchmarking and negotiations, IPS development, investment manager selection, QDIA selection, participant education, plan consolidation and vendor management.

The firm’s investment work focuses on mutual funds, ETFs, collective investment trusts and similar pooled vehicles and is guided by a long‑term strategy aligned with an Investment Policy Statement. EverKey emphasizes quantitative and qualitative due diligence—notably use of the Fi360 Fiduciary Score® methodology and Morningstar analytics—to build diversified plan lineups; it does not create individual participant portfolios or provide financial planning or non‑investment implementation services, though it may accept limited discretionary authority when engaged as a 3(38) fiduciary.

EverKey is unusual for an independent solo adviser in its concentration on pension and profit‑sharing plan clients and pension consulting rather than serving individual retail clients or offering individual portfolio management. The firm reports roughly $10.6 million in discretionary AUM and about $240 million in assets under advisement as of December 31, 2025, and recently applied for SEC registration—underscoring a primarily consultative, plan‑level business model that relies on formal fiduciary scoring and vendor negotiation capabilities.