Nationally Recognized
Retirement Plan Advisors

The Waterford Group has the people with the experience to understand the complexities of your retirement plan, the process to select and monitor your retirement plan investments and the tools to maximize your plan’s performance.

The Waterford Group

To your employees, a 401(k) is personal. It is for us, too. At The Waterford Group, one size doesn’t fit all. That’s why we work with business owners, CFO’s and HR Directors to make sure the retirement plan meets their company mission, matches the demographics of their workforce, and supports their employee benefit goals.

Beyond 401(k) plan design, access to national record keepers, and comprehensive plan reporting, it’s our proactive support of plan sponsors and participants that our clients value most. We’re always on call to answer questions, advise on plan changes and educate plan participants. Most importantly we serve as a 3(38) fiduciary, helping to minimize the company’s liability and making sure the participants are engaged and energized about this benefit.

What We Do

We serve a multitude of employer-sponsored retirement plans, including 401(k), Profit Sharing, Cash Balance, Defined Benefit, 457, MEP’s and Deferred Compensation and provide the following services.

Investment Analysis

We use our time-tested investment due diligence process to create a diversified investment menu and provide ongoing monitoring and adherence to the Investment Policy Statement. 

Employee Education

We assist in strategies to help drive participation, encourage appropriate deferral rates and increase understanding and appreciation for the plan.

Plan Design Consulting

We take an active role in plan design to help you develop a benefits plan that’s right for you, your company and your employees.

Fiduciary Plan Governance

We support your plan by providing the tools and training necessary to fulfill your fiduciary responsibilities.

Provider Benchmarking

We help our clients evaluate their current service providers, the tools and technology they offer and compare the costs to same sized peers.

Plan Administration

We provide guidance on complying with ERISA, DOL and IRS rules and regulations.

Learn more about The Waterford Group’s comprehensive service and support.

Who We Serve 

As a nationally recognized retirement plan specialist, The Waterford Group provides consulting and fiduciary services to companies in nearly every industry.  From manufacturing to construction, professional services to technology we have the experience to help you improve your retirement plan and educate your valuable employees. 

Over

Companies Served

More Than

Years of Combined Experience

Relationships With Over

Providers & Platforms

Experience. The Advantage.

When you work with The Waterford Group, you will work with one of the three company owners. These experienced retirement plan professionals are experts at asking the right questions to make sure they’ll meet your goals and the goals of plan participants. We pride ourselves on building not only professional relationships with your company but personal relationships too—acting as advocates for your company well beyond your 401(k) plan.

Brian P. Costello, AIF®

Brian P. Costello, AIF®

Chief Executive Officer

Michael J. Merriman, AIF®

Michael J. Merriman, AIF®

Managing Director

Mary K. O'Brian, AIF®

Mary K. O'Brian, AIF®

President

Strategic Resources

Newsletters

January 2021 Newsletter

January 2021 Newsletter

3(38) Advisory Services- Should Fiduciaries Outsource Retirement Plan Investment Responsibility? Department of Labor (DOL) enforcement recoveries are on the rise. A recent DOL report indicates that DOL recoveries have doubled since 2018 and tripled since 2016...

January 2021 Newsletter

January 2021 Newsletter

3(38) Advisory Services- Should Fiduciaries Outsource Retirement Plan Investment Responsibility? Department of Labor (DOL) enforcement recoveries are on the rise. A recent DOL report indicates that DOL recoveries have doubled since 2018 and tripled since 2016...

Participant's Corner

Retirement Plan Facts

Retirement Plan Facts

This month’s employee memo encourages employees to learn about their retirement plan to determine whether any changes need to be made. Your employer provides you with a retirement plan for you to save money in, tax-deferred, for the day you bid your career farewell...

Retirement Plan Facts

Retirement Plan Facts

This month’s employee memo encourages employees to learn about their retirement plan to determine whether any changes need to be made. Your employer provides you with a retirement plan for you to save money in, tax-deferred, for the day you bid your career farewell...

Articles

2021 Retirement Plan Limits

Taxpayers can deduct contributions to a traditional IRA if they meet certain conditions. If during the year either the taxpayer or his or her spouse was covered by a retirement plan at work, the deduction may be reduced, or phased out, until it is eliminated, depending on filing status and income. (If neither the taxpayer nor his or her spouse is covered by a retirement plan at work, the phase-outs of the deduction do not apply.)

2021 Retirement Plan Limits

Taxpayers can deduct contributions to a traditional IRA if they meet certain conditions. If during the year either the taxpayer or his or her spouse was covered by a retirement plan at work, the deduction may be reduced, or phased out, until it is eliminated, depending on filing status and income. (If neither the taxpayer nor his or her spouse is covered by a retirement plan at work, the phase-outs of the deduction do not apply.)

Explore important resources for your employees, your business and retirement planning.

Connect With The Waterford Group

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Our passion for fiduciary excellence and employee preparedness has been recognized with the following awards and affiliations: