Click here to learn more about our financial professionals by visiting FINRA's BrokerCheck.

Our Services  | Company-Sponsored Retirement Plan Investment and Fiduciary Services

"One of the foundations of Boston Wealth Management is our education of plan sponsors and participants. In this age of personal responsibility, it is important that all individuals know how to best utilize their retirement plan whether that be a pension, 401(k), 403(B) or an individual retirement account. Our goal at Boston Wealth Management is to make sure that all individuals have the information they need to make the best decisions for their personal retirement."

Boston Wealth Management offers a comprehensive suite of investment advisory services through Osaic Wealth, Inc.  to support the investment, fiduciary, and compliance needs of a defined contribution plan sponsor.

The components of our investment advisory services include:

  • Develop plan’s investment construction
    The firm constructs an ideal investment line‐up for each client. We consider performance, volatility, performance consistency, expense ratio, manager tenure, diversification and number of investment options when selecting investment options for the plan’s investment design.

  • Write the plan’s investment policy statement (IPS)
    The firm constructs the plan sponsor’s IPS. The IPS is used as a written investment guideline on how to approach the management of the defined contribution investment plan design. Having a formal IPS also helps to document that plan sponsor is prudently executing its investment fiduciary responsibilities regarding the construction of the plan.

  • Recommend investment manager selection
    We consider performance, volatility, performance consistency, expense ratio, manager tenure, diversification when selecting investment options for the investment plan design.

  • Conduct investment manager due diligence and monitoring
    After constructing the plan investment design, our team monitors and conducts due diligence on a regular basis on each actively managed investment option. If an investment option does not maintain an acceptable standard of performance based on the key metrics we monitor, it will be replaced by a new investment manager.

  • Construct a spectrum of model investment portfolios
    Based on the plan’s investment line up, our team constructs a spectrum of sample asset allocation models. The models cover the risk spectrum (conservative through aggressive) and provides plan participants guidance on how to potentially allocate their retirement assets. 

  • Deliver plan sponsor and participant education
    The firm provides participant and plan sponsor education in a variety of methods. Our team provides general plan education during regularly scheduled educational meetings. We also provide one‐on‐one meetings with plan sponsors to discuss plan design and participants to discuss investment options. Finally, our team distributes to participants regular retirement investing articles throughout the year.

  • Act as an investment co‐fiduciary
    The firm acts as an investment co‐fiduciary on the client’s plan. Our team provides the plan sponsor analysis, recommendations, education and documentation to assist the plan sponsor with their fiduciary duties.

  • Review Qualified Default Investment Alternatives (QDIA)
    Our team will periodically analyze and review the plan’s default investment options for suitability and appropriateness. The default option is the investment used when an employee contributes but does not elect his/her investment choice.

  • Conduct plan services RFPs
    Every two years, the firm conducts a services RFP for both the investment platform and TPA services. We present to the plan sponsor the results of both the quantitative and qualitative analysis used to evaluate the RFP responses.

  • Maintain fiduciary file for each plan
    Our team thoroughly documents the investment design construction on behalf of the plan sponsor. We file the investment plan design methodology used to construct the plans investment line‐up. Our team also files its selection, due diligence, and monitoring methodology used to analyze on an on‐going basis a plan’s investment line‐up. The team documents every interaction with the plan sponsor through formal meeting minutes that are recorded in the plan’s fiduciary file.

Through our comprehensive suite of investment advisor services, we strive to provide a superior investment experience to both the participant and the plan sponsor. Our team has experienced investment professionals dedicated to guiding defined contribution plans regarding their plan design and structure. Through detailed analysis and thorough documentation, we take measures to monitor and maintain the plan’s compliance status.


Complete the form below to contact us!

Thank you! Oops!

Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance is no guarantee of future results. Please note that individual situations can vary. Therefore, the information presented here should only be relied upon when coordinated with individual professional advice. 

Securities, advisory and insurance services offered through Osaic Wealth, Inc., Member FINRA/SIPC and a registered investment advisor. Additional insurance services offered through Boston Wealth Management, LLC which is not affiliated with Osaic Wealth, Inc. or registered as a broker dealer or investment advisor.