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Plan Sponsors

Offer your employees better retirement plan investments and outcomes

Employer sponsored 401k and 403b retirement plans are the major vehicle for individual retirement readiness in the United States. In an era of defined contribution plans that place the onus on employees to save for retirement, employees and officers need intelligent solutions. To successfully achieve retirement goals, employees and officers need access to plans that combine the best available investment options to achieve long-term compounding of their investment assets.

Many 401k, profit sharing, and deferred compensation plan options widely available today are suboptimal. This can happen because many plan providers offer highly limited investment options. In other cases, they may offer more options but provide little in terms of guidance to plan participants. In our experience, most options widely available today:

  • Offer only a limited number of investment options in the plan
  • Utilize “closed architecture” plan platforms that feature an artificially limited selection of funds
  • Have limited or no availability of one-on-one advice related to plan options
  • Have high or opaque costs that lack transparency
  • Offer substandard education to participants
  • Lack selection of an independent fiduciary advisor like Ridgewood to select plan investments

As extensively discussed in works such as PBS Frontline’s excellent 2006 documentary Can You Afford to Retire?, the current state of affairs has much room for improvement. There are multiple causes for these issues and Ridgewood Investments has devoted itself to advising our plan sponsors to take a number of steps to significantly improve their retirement plans.

Our plans are designed with a primary objective in mind – improving the long-term best interest and outcomes of our client’s employees. Ridgewood Investments offers plan sponsors customized plans that consist of high-quality, low-cost investment options. We emphasize those investment offerings that are managed consistent with intelligent investing principles. We also provide effective educational seminars for participants and general as well as one-on-one advice to plan participants.

Ridgewood Investments offers our clients extremely attractive, often lower cost options for plan sponsors wishing to establish new plans or upgrade the quality of their existing plans. In most cases working with Ridgewood Investments, the plan sponsor can significantly improve their plans and their participant’s outcomes while simultaneously outsourcing the responsibility for the selection of plan investments to a professional third-party advisor like Ridgewood.

How we do this:

In each case, we have designed plans the way we would want them to be if we were a diligent and informed end user. Our plans include a choice of only the highest quality investment solutions available. By this, we mean those options that we consider superior from a quality and cost perspective. These options are selected from a number of fund companies based primarily on the quality of the manager’s experience, thinking, track record and approach to investing. Importantly, Ridgewood Investments generally works with open-architecture fee-only platforms which allow us to choose from all available funds and fund share classes and we do so on a fee-only basis – avoiding the conflicts of interest that may be created by commission oriented plans. While we tailor our plans to meet the specific needs of our clients, each of our plans includes:

  • A variety of the highest quality yet low-cost funds available
  • Low cost index and/or ETF options
  • Professionally managed model portfolios for do-it-for-me participants
  • Outstanding education to equip participants to make better long-term choices and take action to save
  • Access to individualized advice to plan participants to help them maximize their own benefits from participation
  • Self-directed discount brokerage option (if desired)


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Ridgewood Investments is dedicated to building life-long relationships with our clients, whether they be individuals and families, institutional investors or plan sponsors. By maintaining our focus on long-term investment strategies and long-term compounding, we are committed to helping our clients navigate through all market environments with an approach grounded in intelligent investing. Learn more:

Working With Ridgewood

Working with Ridgewood Investments is enhanced by our client-centric focus to everything we do. At Ridgewood our primary goal is to treat each of our clients the way we would want to be treated if our positions were reversed. As part of this client-centric focus, Ridgewood Investments strives to give each long-term client a quality service experience featuring:

  • Easy Client Onboarding
  • Fee Transparency and Value
  • Excellent Client Service
  • Portfolio Customization
  • Educational Approach
  • Invitations to Firm Events and Seminars

Talk to Ridgewood

If you are actively searching for assistance with your investment portfolio or would simply like to have a dialogue with Ridgewood Investments about the ways that our services might be of assistance, you have multiple options.

You can engage in a dialogue with our firm and learn more about our capabilities and offerings in the following ways: