Indispensable Retirement Plan Consulting

We offer carefully tailored retirement plan guidance to employers and their investment committees in clear, actionable terms.

Independent Fiduciary Services

MRPA is an independent, fee-based consulting firm dedicated exclusively to employer sponsored retirement plans. Formed in 2004, we serve as an ERISA investment fiduciary to your plan and work alongside those responsible for managing their organization’s retirement programs. Our clients rely on us to be an indispensable advisor on matters of retirement plan governance, so they don’t have to go solo on plan oversight.

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Our Guiding Principles

  1. Everything we do can be improved.
  2. Honesty is non-negotiable.
  3. We strive to do one thing very, very well.
  4. We simplify the complex.
  5. Employee success has a generational impact.
  6. The best consultants are good educators.
  7. Professional growth should be constant.
  8. Great work often is done when no one is watching.
  9. We will lead in advancing industry best practices.
  10. This is not about us.

Our Awards and Recognitions

Recent Insights

Funds With Revenue-Sharing Fees Can Be The Lowest Net Cost Option

An InvestmentNews article reminds us that plan sponsors can reduce the net cost of retirement plan investments through optimal handling of the non-investment-management related components of a mutual fund’s expense ratios, commonly referred to as “revenue sharing”. Astute plan sponsors and their advisors generally insist that their plan’s providers credit these “revenue-sharing” amounts directly back …

3(21) vs. 3(38): Understanding the Numbers

Taking a look at the features of both 3(21) & 3(38) and examining how each can impact your business’s retirement planning process.

Five Success Principles I Learned From My Father

Starting in the late 1940’s, my father, William P. “Bill” Montgomery applied the tough lessons learned from a Great Depression childhood and World War II Marine Corps service to build a successful career in the group health insurance field. As I started my own career in 1977, Dad occasionally offered helpful suggestions, but much of …