Clear Financial Strategies logo

Clear Financial Strategies
Independent · Fee-Only · Fiduciary
For plan sponsors

Fiduciary support for the employers that sponsor plans

If your organization sponsors a retirement plan, you and your committee are fiduciaries under ERISA. We help you run the plan with a documented process, so every decision has a written record.

3(38) and 3(21)

Who makes the decisions

A 3(21) co-fiduciary gives recommendations while your committee keeps the final decision. A 3(38) investment manager takes on discretion over the plan’s investment lineup, which moves that responsibility from the committee to the manager. The right choice depends on your plan, your committee and your appetite for decisions. We lead with 3(38), our preferred approach, and also act in a 3(21) capacity.

Educational only. Not legal advice. Consult your ERISA counsel.

Ready to talk?

A no-obligation conversation about your plan. We will listen first.

Get the ERISA Employer Report CardRequest a plan review