Transform Retirement

Transform Retirement provides advisory services to sponsors of employer-sponsored retirement plans as well as to individual clients and families, offering both investment management and financial planning. Services for plan clients include discretionary and non-discretionary investment management, participant education and communication, provider due diligence, comprehensive plan reviews, and the option to accept fiduciary plan administration consistent with ERISA §3(16).

The firm typically constructs diversified menus of mutual funds and exchange-traded funds for plans and uses strategic allocations for one-time individual engagements or more tactical allocations for ongoing individual relationships. Plan investments are monitored and reported—generally on a quarterly basis—and individual reviews occur as requested by clients, with client goals and plans documented in the firm’s relationship system and an explicit emphasis on aligning financial goals with biblical and family-focused principles.

Distinctive for a solo independent adviser, the firm emphasizes pension and profit-sharing plan consulting and will serve in technical fiduciary roles for plans, backed by pension-specific credentials (CPC, QPA, QKA) and retirement-plan experience dating to 1998. It operates as a fee-only adviser that generally charges flat or hourly fees rather than the more common percentage-of-assets model and discloses a separate consulting engagement related to the chartering of a trust company rather than receiving commissions.