Retirement Plan Services

Retirement plans carry significant responsibility for plan sponsors. Regulatory requirements, fiduciary obligations, fee scrutiny, and participant outcomes all intersect, often with meaningful liability attached.

Coastal Bridge Advisors provides retirement plan services designed to bring structure, discipline, and documented fiduciary oversight to plan design and ongoing management, helping organizations support their workforce while managing fiduciary responsibilities through a documented process.

Our capabilities

Plan design consulting aligned with organizational goals and workforce demographics
3(38) investment manager services, including investment selection, monitoring, and replacement
3(21) fiduciary support and investment guidance
Authoring and maintenance of Investment Policy Statements
Participant education programs and retirement readiness analysis
Benchmarking of plan fees and service providers
Pooled Employer Plan (PEP) consulting and implementation
Ongoing fiduciary documentation and review

Plan types supported

401(k) plans, including Safe Harbor, Roth, and profit sharing features
Owner-only and solo 401(k) plans
SEP IRA plans
SIMPLE IRA plans
Cash balance plans
457 plans
403(b) plans

What it means for
clients

Fiduciary accountability, clearly defined

Roles, responsibilities, and decision making are documented through a disciplined fiduciary process designed to reduce risk and strengthen governance.

Plans designed for your objectives, not just compliance

Plan features, investment menus, and education strategies are structured to support participation, savings behavior, and long-term retirement readiness.

Depth of experience, applied practically

Advisors bring deep experience across plan design, ERISA requirements, and participant behavior, supported by institutional resources when complexity increases.

Frequently asked questions

What fiduciary role does Coastal Bridge Advisors serve?

Coastal Bridge Advisors may serve as a 3(38) investment manager or a 3(21) fiduciary, depending on your needs and preferences, with responsibilities clearly defined and documented.

What is the difference between a 3(38) and a 3(21) fiduciary?

How does plan design affect participation and outcomes?

How are plan fees evaluated and benchmarked?

What types of participant education are offered?

Are pooled employer plans an option for our organization?

Which retirement plan type is most appropriate for our business?

How does a documented fiduciary process reduce liability?

We want to hear your story

Every engagement begins with understanding an organization’s objectives, workforce needs, and definition of success. Because no two plans are the same, services are tailored to align plan design, fiduciary oversight, and participant outcomes. The goal is to determine whether Coastal Bridge Advisors is the right long-term partner for your retirement plan needs.

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Planning Portal

Coastal Bridge Client Portal

Legacy TrinityPoint Client Portal

Coastal Bridge Digital Vault