SAR Services, Inc.

SAR Services, Inc. provides investment management and retirement consulting to ERISA‑qualified retirement plans, employers sponsoring SIMPLE and SEP arrangements, and individual retirement accounts, and also manages retail risk‑based portfolios for individual clients. Services include plan setup and feasibility studies, fund selection and monitoring, trustee fiduciary guidance, plan termination assistance, and rollover proposals, typically delivered under written service agreements that grant discretionary trading authority.

The firm’s investment approach emphasizes low‑cost institutional open‑end mutual funds and a long‑term, buy‑and‑hold asset allocation strategy implemented across 11 risk‑based portfolios, with recommendations driven by client risk‑tolerance questionnaires and a Master Investment Policy Statement. SAR applies explicit quantitative selection and monitoring metrics — including product history, manager tenure, minimum product assets, Sharpe and alpha thresholds, peer‑group percentiles and trailing performance — when adding or replacing funds.

As a small, solo‑advisor firm managing about $5.5 million for roughly 42 clients, SAR’s provision of pension consulting and plan‑level ERISA services is uncommon for firms of its size and category. The firm has a prior Department of Labor matter that was resolved in 2017 with restoration of certain compensation and payment, and it generally requires clients to use a specified group of covered service providers, both of which distinguish it from many peers.