SPECIAL EVENT
White Coat Investor 2026
Institutional Level Retirement Plans for Your Business
Large institutions such as endowments and pension funds use sophisticated plan design to optimize retirement outcomes. The same principles can be applied to privately owned professional practices. You’ve built a successful practice, and your retirement plan should reflect that level of sophistication.
iQ401k® was established as the qualified retirement plan division of FPLCM to expand access to institutional-quality retirement plan design for small and mid-sized businesses. The platform builds on FPLCM’s more than 20-year history of providing individual investors with access to institutional investment opportunities while ensuring an excellent client experience.
iQ401k® focuses on tailoring retirement plans for growing professional groups seeking greater flexibility, control, and tax efficiency. These are not bundled, off-the-shelf plans. Each plan is intentionally designed and customized to reflect the level of discipline and sophistication typically found in large institutional retirement programs.
Built for
Professional
Groups
High-income earners require more than a basic retirement plan. They need a plan that’s tailored to their ownership dynamics, compensation structure, and tax planning. We design retirement plans to achieve owner and participant objectives.
Advanced safe harbor and profit sharing design
Cash Balance Plan integration
Maximize tax deductions and credits
Participant guidance focused on improving retirement outcomes
We work primarily with professional groups where plan assets are typically concentrated among partners and highly compensated employees, including:
- Radiology groups
- Anesthesiology practices
- Dental practices
- Surgical groups
- Law firms
- Multi-owner professional entities
True Open Architecture
Your plan’s investment menu should include institutional class investment options.
Institutional share classes from leading fund managers
Mutual funds and ETFs covering major asset classes
No proprietary fund restrictions and investments with commissions or revenue-sharing. Investment selection decisions are driven by a rigorous fiduciary process, not provider bias.
Expanded Investment Capabilities
Through Self-Directed Brokerage Accounts on our platform, plan participants can access additional strategies.
- Expanded mutual funds and ETFs
- Individual stocks and bonds
- Alternative investments, such as Private Real, Private Credit & Private Equity (when suitable)
Not every plan requires Self-Directed Brokerage Accounts, but today’s retirement plans should have the capability.
A Fee Structure That Scales with Growing Plans
Many growing retirement plans still pay asset-based fees that increase as plan assets grow—regardless of services provided. Our fee structure prioritizes flexibility and transparency.
- Flat per-participant pricing
- Flexible pricing adaptable to plan size
- Fee structure designed to minimize conflicts
As your plan grows, your pricing should become more efficient, not more expensive.
Institutional Fiduciary Governance Standards
We provide institutional caliber fiduciary governance.
- ERISA 3(38) and ERISA 3(21) investment fiduciary services
- Investment Policy Statement development
- Service and fee benchmarking
- Formalized committee processes
- Ongoing compliance coordination
A well-run retirement plan program is not defined solely by fees and investment
returns—it is defined by a prudent, well-documented fiduciary process.