CiR creates value for both the plan sponsor and participants by helping them understand the investment risks and market opportunities to meet retirement and enterprise goals. We understand your fiduciary role, compliance obligations and the need to enhance efficiencies. As a fiduciary investment advisor, our process is

SERVICES PROVIDED

Employer - Sponsored Retirement Plans

• Defined Contribution (DC) / 401(k) Plan​

• Defined Benefit (DB) / Pension Plan​

• Non-Qualified (NQ) Plan

Endowments and Foundations

FEE BENCHMARKING

We work closely closely with our clients, tailoring their needs by benchmarking against other retirement plans and investments rather than relying on industry norms.

ADDITIONAL SPECIALTIES

• Many years of experience involved in plan mergers and acquisitions and spinoffs

• We asses every aspect of your financial portfolio

• We do not provide textbook services - our clients' needs are tailored based on years of trusted experience

designed to achieve sound solutions to meet overall goals through thought leadership and market-perspective. We partner with each client to assist in the decision-making process by tailoring portfolio and investment solutions. This allows our clients to receive the greatest plan value.

Investment

Policy

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Plan Design /

Administration

Retirement Plan

Education Program

ERISA

Fiduciary Compliance

Fee

Benchmarking

Vendor

Searches

PRIVATE WEALTH

Individual planning needs are constantly evolving. Circumstances, aspirations, investment strategies, tax requirements, and risk tolerance change over time; therefore, we want you to have confidence that your retirement income is on track and will be monitored on an ongoing basis. 

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For those reasons, financial planning should be a priority for yourself, your family and/or your business. We understand that your financial situation is unique so, we will construct and manage a portfolio that is customized for your financial well-being.

THE FINANCIAL PLANNING PROCESS

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1. Establish the Relationship

2. Data Gathering

3. Analyze Current Financial Status

4. Present Financial Plan Recommendations

5. Implement Financial Plan Recommendations

6. Continually Monitor Financial Plan

SMALL BUSINESS

INVESTMENT AND PLANNING ADVISING

Small business owners must also consider the legacy they are hoping to leave behind. Your personal wealth is linked to your business. Your financial plan, investments and tax liabilities need to be integrated into your business as well.

OUR INVESTMENT

STRATEGIES INCLUDE:

• Conservative investments for short-term working capital needs

• Mid or long-term working capital needs

• Tax planning: identifying the right retirement plan for a business owners needs

EXITING OR THE SALE OF YOUR BUSINESS

We work with clients to construct the proper term of sale as well as assisting them with building their retirement spend-down (personal pension plan). The portfolio is constructed to ward off effects of inflation and provide current income without taking on unneeded investment risk.