At iQ401k, we believe every business owner deserves access to the same institutional-class retirement plans typically reserved for large corporations — without the complexity or inflated costs. Our platform was designed specifically for small to mid-sized businesses that want a smarter way to build and manage retirement plans. We combine a flat-fee model with open-architecture investment options, ensuring transparency, cost-efficiency, and flexibility.
Beyond plan design and investment selection, we act as a fiduciary partner — providing ongoing oversight, compliance support, and guidance to help employers meet their responsibilities with confidence. With iQ401k, you get more than just a retirement plan provider; you gain a dedicated partner focused on optimizing outcomes for both your business and your employees.
iQ401k began as an extension of our work at FPLCM, where we built advanced tax and investment strategies for our private wealth clients — many of whom are business owners. These clients asked us to help them design and manage their company retirement plans with the same level of care and discipline we applied to their personal wealth.
It quickly became clear that traditional 401(k) solutions weren’t meeting the needs of business owners or their employees. Plans were often packaged with hidden fees, limited investment choices, and little fiduciary oversight. We saw an opportunity to create something better.
That vision became iQ401k – a dedicated platform that brings the rigor of institutional wealth management to retirement plans, while reducing conflicts of interest and unnecessary costs. By combining flat-fee transparency, open-architecture investment options, and ongoing fiduciary guidance, we help businesses offer retirement benefits that are both cost-efficient and outcome-focused. What started as a solution for a handful of clients has grown into a specialized platform serving businesses nationwide.
Your plan’s investment menu should include institutional class investment options.
We design and manage retirement plans — including 401(k), Profit Sharing, and Cash Balance plans — with a focus on:
Our goal is simple: help businesses optimize their retirement plans for better outcomes — for both owners and employees.
We currently serve 70+ retirement plan clients across the U.S., with over $250 million in assets under advisement. Our clients include:
No proprietary fund restrictions and investments with commissions or revenue-sharing. Investment selection decisions are driven by a rigorous fiduciary process, not provider bias.
Retirement Plan Director
Managing Director
Director Of Client Services
