SIMA Retirement Solutions, LLC

SIMA Retirement Solutions provides consulting, education, and ongoing review services to qualified retirement plans and plan sponsors, including 401(k), profit sharing, defined benefit, 403(b) and 457 plans. Services offered include Investment Policy Statement preparation, investment vehicle review, performance monitoring, and participant education delivered on a one-time, quarterly, or annual basis; the firm does not directly manage or custody plan assets.

Advisory work is tailored to each plan’s objectives and is generally organized around a written IPS, with recommendations that typically emphasize mutual funds and exchange-traded funds and a buy-and-hold approach while drawing on fundamental, technical, charting, and cyclical analysis. SIMA Retirement does not implement client trades or vote proxies and uses negotiable engagement arrangements that can include hourly or project-based fees and asset-under-advisement arrangements rather than a routine percentage-of-assets-under-management fee model.

The firm is affiliated with an accounting practice, an insurance agency, payroll and technology subsidiaries, and an affiliated registered investment adviser, enabling cross-referral of services such as accounting, insurance placement, payroll and IT support. Senior management reports allocating approximately 65% of its time to the affiliated accounting, payroll, benefits and technology businesses and approximately 25% to the affiliated RIA, and some associated persons are licensed to sell insurance and may earn commissions when clients purchase insurance products.