Small Business Retirement Plans

CFS Retirement Solutions Logo




Our Mission:


Our team approach to Qualified Retirement Plan administration and management was designed to simplify the experience of the Plan Sponsor. We strive to increase operational efficiency by reviewing and appropriately delegating fiduciary responsibilities.

CFS Retirement Planners group photo; from left to right: Frank Brittingham, J.D. Schroen, Mike Sise, and Bruce Robson.





Retirement Planning expert Mike Sise holding a meeting in his office.


By taking a hands-on and personal approach to Qualified Retirement Plan work, Michael and his team at CFS are able to provide Plan Sponsors and their Participants an excellent experience with extremely competitive pricing.





The Participants

The "Consumer Age" is upon us, and Financial Literacy is at an all time low. Our team proactively works to educate the participants on the importance of budgeting and saving, as well as making good spending decisions, such as distinguishing "Good Debt" from "Bad Debt."

Fiduciary Responsibility

Oftentimes a plan's Fiduciary responsibility is shared among multiple trustees and professionals. We take the Fiduciary standard very seriously and work first to confirm that all named parties are aware of their obligations to the plan, as well as the potential risks and personal liabilities that exist if that responsibility is neglected.








Via one-on-one meetings with the eligible employees, we see increased participation in many of our plans. Engaging with each participant results in better outcomes and a healthier plan overall.

By sharing the pros and cons of Traditional vs. Roth, Loan vs. Distribution, and calculating the long-term benefit of participating in a Qualified Plan, we are able to instill in our plan participants a sense of understanding and excitement.

The Costs

Costs are a significant component of Qualified Plan work. We focus on how the fees are being paid. By offering a competitive and leveled fee structure using "Zero Revenue" share class funds, we provide full fee transparency and remove bias from our recommendations. These factors enable us to focus on the participants best interest and the growth of the plan over time.


Plan Design

Plan needs evolve over time. By reviewing the strengths and weaknesses of the current plan features, we are able to assess the need to alter the plan document to cater the plan to the evolution of participants and the business itself.

Peripheral Benefits

At CFS, we believe that a retirement plan should be a tool with which a company can attract and retain employees. Beyond that primary aim, there are peripheral benefits to retirement plans that must be prioritized and executed:




Our Team


Portrait of Michael J. Sise

Michael J. Sise, CFP®, AIF®, CRPC®, CPFA®


☎️ 410-546-0911, ext. 104
? 410-543-2759

Michael J. Sise, a graduate of Stephen Decatur High School and Liberty University began his career as a financial advisor in 2013.  In his first five years in the business, Michael became a CERTIFIED FINANCIAL PLANNER™ professional, as well as achieving his Accredited Investment Fiduciary® (AIF®) and Chartered Retirement Planning Counselor (CRPC®) designations. Serving as planning specialist and lead strategist on the CFS Investment Committee, Michael has excellent perspective of the granular details of our client relationships, as well as a strong grasp of the overall trends of our portfolios and investment philosophy. Michael worked as an adjunct professor at Salisbury University’s Perdue School of Business for two years, teaching Retirement Planning. Michael lives in Berlin with his wife Allison, and their daughters Magnolia and Annie.

Mike is the host of CFS' The Financial Planning and Game Theory Podcast. Listen now on YouTube or here on our website.

Connect on LinkedIn.


Frank L. Brittingham portrait


Frank L. Brittingham

Co-Founder, Investment Advisor Representative

☎️ 410-546-0911, ext. 101
? 410-543-2759

Frank is a co-founder of Comprehensive Financial Solutions (CFS) and holds a B.S. from Elizabethtown College (Elizabethtown, PA). He is a Registered Representative and Investment Advisor Representative through Cetera Advisors LLC. Frank has over 38 years of experience in the financial services and insurance industry. He specializes in risk management, allocation strategies, and developing adequate investment income for retirees. Frank is a State of Maryland licensed insurance agent (Health, Life, and Variable). In his time away from the office, Frank enjoys fishing, boating, hunting, and cooking.






Bruce W. Robson portrait

Bruce W. Robson, CFP®, AIF®


☎️ 410-546-0911, ext. 106
? 410-543-2759

Bruce is a co-founder of Comprehensive Financial Solutions (CFS) and attained the CFP® certification in 1994 and the AIF® designation in 2016. He is a CERTIFIED FINANCIAL PLANNER™ certificant, an Accredited Investment Advisor®, Registered Securities Principal, Investment Advisor Representative, and a Licensed Insurance Agent. He is the past Chair of the Advisors Council for the Financial Services Institute, Inc. (Washington, DC). Bruce has three children and resides in Salisbury, MD with his wife Susan. He enjoys anything involved with the water and gardening. Bruce is active with the Salisbury Horizons Academic and Summer Enrichment Program and a member of the Wicomico Environmental Trust.

Connect on LinkedIn.




J.D. Schroen portrait


J.D. Schroen, CPA

CPA, Investment Advisor Representative

☎️ 410-546-0911, ext. 107
? 410-543-2759

J.D., a Salisbury native, received his B.A. in Accounting from Asbury College (Wilmore, KY). After graduating, he spent the next several years working in the finance and accounting fields in Lexington, KY before moving back to Salisbury. He joined CFS in 2001 as a financial advisor and was also tasked with growing CFS’ tax department. J.D. received his investment series 6 & 7 registrations in 2001 and the CPA designation in 2003. J.D. is active in his church and various community outreach programs. He currently resides in Salisbury with his wife Jenny and four children and is an active cyclist and snow skier.

Learn more about J.D.'s tax services in our Tax Solutions page.









The Financial Planning and Game Theory Podcast, hosted by Michael J. Sise, covering topics such as Monopoly & Your 401(k), and the Rubik's Cube and the Retirement Plan.

The CFS Commentary blog posts weekly about all manner of financial topics. Check out our posts regarding Retirement Planning!