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Client Centered

Our team and hands-on 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.

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.

Education

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

Alex Saunders

Alex Saunders

Client Service Associate II

410-546-0911

410-543-2759

Bruce W. Robson

Bruce W. Robson, CFP®, AIF®

Co-Founder, CERTIFIED FINANCIAL PLANNER™

410-546-0911

410-543-2759

Christopher J.D. Wilde

Christopher J.D. Wilde, MBA

Investment Advisor Representative

410-546-0911

410-543-2759

Deborah S. Williams

Deborah S. Williams

Client Service Associate II

410-546-0911

410-543-2759

Elizabeth Brittingham

Elizabeth Brittingham

Investment Advisor Representative, Tax Associate

410-546-0911

410-543-2759

Frank L. Brittingham

Frank L. Brittingham

Co-Founder, Investment Advisor Representative

410-546-0911 x101

410-543-2759

Gloria Diaz

Gloria Diaz

Client Service Associate I

410-546-0911

410-543-2759

J.D Schroen

J.D Schroen, CPA

CPA, Investment Advisor Representative

410-546-0911 x107

410-543-2759

Mason H. Little

Mason H. Little

Investment Advisor Representative

410-546-0911

410-543-2759

Natalie Sanchez

Natalie Sanchez

Client Service Associate I

410-546-0911

410-543-2759

Sandra M. Hearne

Sandra M. Hearne

Director of Administration

410-546-0911 x103

410-543-2759

Shelly M. Mullins

Shelly M. Mullins

Client Service Associate III

410-546-0911 x111

410-543-2759

Tim Gonzales

Tim Gonzales, CFP®, AAMS™

Certified Financial Planner™

410-546-0911

410-543-2759

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