Aegis Retirement Group

Our mission is to create successful outcomes for retirement plan sponsors, their valued employees, and investors through a dedication to process management, organization and education.


Since 2012, we have committed daily to leveraging our significant resources to deliver focused, appropriate financial solutions that are attainable, measurable and repeatable for our clients.

Our mission is to create successful experiences for investors, retirement plan sponsors and their valued employees. We make a commitment every day to deliver significant resources with focused solutions. The positive impact to our client’s relationship to financial and organizational success is attainable, measurable, and repeatable.

Meeting Today’s Complex Retirement Plan Challenges

Today, plan sponsors are faced with increasingly complex regulations, compliance demands and fiduciary risks in managing a retirement plan that offers their employees the opportunity to achieve their financial goals. As a Registered Investment Advisor with the SEC specializing in providing assistance to drive retirement plan outcomes for plan sponsors, their employees, and individuals we have the experience and knowledge required to help you manage these challenges.


We have access to research from world-renowned behavioral finance professors, mathematicians and PhDs who help us understand how to enhance company and individual retirement plans according to behavioral finance best practices.


At Aegis Retirement Group, our consulting is custom tailored to the needs of the client. Our team’s solutions stem from a deep level of understanding of your situation. We seek to change the conversation from simply putting money away, to actually preparing plan participants and individuals for retirement in a holistic manner.

We look forward to working with you through all the stages of your business, and your life. Please call us today, and let us show you the Aegis difference.


Our Services

Aegis News

Excessive Fee Litigation: The Best Defense is Compliance

By Walter Grant • March 8, 2021
Excessive fee litigation is increasing at a steady pace and all signs are it will continue to increase. The positive side of this situation is that we now have more caselaw to consider as we work toward compliance in creating a “best defense”. Early caselaw did not reflect the consistency of court decisions. Some court rulings were in direct conflict with those of other courts, and some did not seem well reasoned. Recent excessive fee caselaw does help us determine a more solid foundation for liability mitigation. Clearly, it is most important to have a robust process for making prudent investment decisions, as per ERISA “procedural prudence”. This has always been the case, but now we have more clarity in how this process should be conducted. Courts want to see evidence that based on the information that the fiduciaries had at the time they made their decision; a robust structured process was followed. As always, it is crucial that you follow your investment policy statement and document your process and reasons for all fiduciary level decisions. Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Aegis Retirement Group, a registered investment advisor and separate entity ACR# 3366044 12/20

QDIA.... Why is it important?

By Walter Grant • March 3, 2021
The qualified default investment alternative (“QDIA”) is arguably the most important investment in a plan’s investment menu. By far the most often selected QDIA investment is a target date fund (“TDF”). TDFs are typically the only investment selection that offers unitized professionally managed portfolios that reflect the participants’ time horizon today and as they go to and through retirement. TDFs are tied to the anticipated year of your retirement. Retiring in 2035? The 2035 TDF is the easy pick. This portfolio will be professionally managed to become more conservative as you approach your retirement. This de-risking is based on an investment “glide path” which contains more aggressive investments during the participant’s younger years and utilizes more conservative investments as retirement approaches. TDF QDIA selection is important for plan fiduciaries as well. The Department of Labor (“DOL”) has indicated that if the TDF has been prudently selected and commensurate with the plan’s participant demographics, the suite meets certain structure requirements, and required notices are provided, fiduciary liability mitigation would be available. Prudent process entails identifying your participant demographic needs. Your participant demographic need may tend towards a low-risk portfolio (e.g. participants are on track for a satisfactory retirement), or perhaps a more aggressively positioned portfolio (e.g. less savings so the need to obtain higher returns), or perhaps a multiple glidepath approach for a financially non-homogenous population. Prudence of TDF selection is also determined by cost relative to other TDFs with similar risk levels, as well as the quality of underlying investments. Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Aegis Retirement Group, a registered investment advisor and separate entity ACR# 3366044 12/20

The Case for Investment Refresh

By Walter Grant • September 16, 2019
Investment refresh is an optional extension to automatic enrollment whereby participants would be notified that, as of a certain date, their current investment allocation will be transferred to the plan’s qualified default investment alternative (“QDIA”) investment. The QDIA is frequently an age/risk appropriate target date fund (“TDF”). Any participant may opt out of this action prior to or at any time after the transfer date. The premise underlying investment refresh is that participants do not always make prudent investment decisions. We frequently find that, although the vast majority of participants are deferring into the plan’s TDF, their prior assets often do not get transferred. This is an interesting but contradictory fact that can be attributed to a conscious act, simple neglect, or potential loss aversion, but the reality is, that it may be detrimental to the participant’s actual intent or their best interest. In addition, we also know that there is often a mismatch between the level of risk participants tell us they are comfortable with and the risk level in the actual portfolio they have constructed. Clearly, many participants would benefit from additional assistance. Our experience tells us that investment refresh could provide significant help. Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Aegis Retirement Group, a registered investment advisor and separate entity ACR# 3366044 12/20
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