Highland Trust Partners is a dedicated practice of retirement plan consultants who hold professional designations of Accredited Investment Fiduciary and CERTIFIED FINANCIAL PLANNER. Our firm has over 60 years combined experience with defined contribution, defined benefit, and non-qualified retirement strategies.

Our team can help you create a fully-customized plan to attract and retain talented people and enable your employees to build a foundation for pursuing financial independence. We have ability to operate under a 3(21) or 3(38) contract for fiduciary guidance and have various levels of pricing to provide your company with what is most appropriate.

Highland Trust Partners offer three levels of service to plan sponsors:

Plan Fiduciary Level Services

  • Investment Committee Structure Education
  • Fiduciary Oversight Support
  • DOL Audit Test Coordination
  • Compliance File Review
  • Documentation of Progress
  • Employee Notifications
  • Plan “Design vs Needs” Assessment
  • Annual Record Keeper Review
  • Annual Administrator Review
  • DOL/IRS/Congressional Bulletins
  • Annual Sponsor/Trustee Meeting
  • Benchmark Plan against Peers
  • Establish, Track, and Document Plan Goals
  • Cost Analyzer

Plan Investment Level Services

  • Investment Policy Statement (IPS) Review/Preparation Assistance
  • Investment Lineup Design Assistance
  • Allocation Models
  • Qualified Default Investment Alternative Assistance
  • Fi360 Monitoring (Quarterly Performance Updates)
  • Investment Removal/Addition Assistance
  • Monitoring Internal Investment Expenses Support
  • Economic/Market Reports
  • Trends of Workforce to Economic Risks
  • Capital Market Assumptions

Plan Education Level Services

  • Customized Education Policy Statement
  • Enrollment Meetings
  • Participant “Retirement Survival” Kits
  • Quarterly or Semi-Annual Education Forums
  • One-on-one Meetings as Required (be accessible in-person, phone, email)
  • Retirement Savings GAP Analysis
  • 50+ Age Employee Preparation
  • Provide Economic/Market Reports (in simple terminology)
  • Financial Lessons (inflation, interest rates, social security, compounding, etc.)
  • Personal Financial Guidance (insurance, banking, taxation, legal, etc.)
  • Stress Test Financial Health
  • Teach Record-Keepers Website
  • Survey Employees Annually on Need

The Highland Trust Partners team is structured to provide plan sponsors and their employees with reliable service and consultation services. We consistently strive to provide the best retirement benefit our clients can offer their employees. Our team includes two CERTIFIED FINANCIAL PLANNER professionals and two Accredited Investment Fiduciaries® (AIF®), enabling us to provide your employees with a planning experience that many are not accustomed to receiving as part of their retirement plan experience.

  • We provide both plan sponsors and their employees with an open line of communication to our team of experienced advisors, and are diligent about addressing questions immediately.
  • We developed our service model around our strengths which include our ability to serve as a 3(21) investment fiduciary for your plan.
  • Our team brings expertise across all aspects of company retirement plan design features and investment management and includes advisors with the following industry designations and certifications:
  • CERTIFIED FINANCIAL PLANNER
  • Accredited Investment Fiduciary® (AIF®)
  • Certified Retirement Counselor® (CRC®)