The retirement plan
your employees deserve.
We design, govern, and optimize 401(k), cash balance, and pension plans for employers who want to do right by their people and their balance sheet.
Everything a well-run
plan requires.
From the first committee meeting to annual benchmarking, we handle the complexity so your HR team and CFO don't have to. Your plan gets a named advisor, backed by a full team.
Plan Design & Strategy
Safe harbor structures, match modeling, auto-enrollment, profit sharing, and new comparability, tailored to your workforce.
Fiduciary Governance
Investment policy statements, quarterly committee meetings, plan health scorecards, and complete 404(c) documentation.
Investment Oversight
Menu architecture, QDIA review, ongoing manager monitoring, share class consolidation, and target-date analysis.
Fee Benchmarking
Revenue credit audits, RFP management, vendor negotiation, and ongoing cost monitoring, so you never overpay.
Employee Education
Structured education programs, one-on-one guidance, enrollment campaigns, and financial wellness support for your team.
Compliance & Operations
Audit prep, 5500 support, plan corrections, ERISA counsel coordination, and committee training and recordkeeping.
The right structure
for your organization.
Not every plan works for every business. We help you choose, or design, the one that fits your goals, your team size, and your tax strategy.
Traditional &
Safe Harbor
The most widely used employer plan, built to attract talent, reduce taxes, and build long-term participant wealth.
- Traditional & Roth options
- Employer match design
- Safe harbor structures
- Auto-enrollment features
- Investment menu construction
Cash Balance
Plans
A defined benefit hybrid that allows owners and partners to contribute up to $300K or more annually, often alongside a 401(k).
- Contribution limits up to $300K or more
- Ideal for high-earning owners
- Pairs with a 401(k)
- Custom actuarial design
- Substantial tax deductions
Pension
Plans
Guaranteed monthly income at retirement, a powerful retention tool that delivers meaningful employer tax deductions.
- Traditional defined benefit
- Funding analysis & strategy
- Actuarial coordination
- PBGC compliance
- Pension-to-401(k) transitions
A clear process.
No surprises.
From the first conversation to ongoing management. You'll always know what's happening and why.
We learn your plan
Fee inventory, stakeholder interviews, and an honest assessment of where you stand. No recommendations before we understand you.
We build the right structure
Menu architecture, auto features, match modeling, and plan document review tailored to your workforce demographics.
You make an informed call
A governance meeting with clear options, a simple scorecard, and a recommendation you can act on with confidence.
We stay with you
Quarterly reviews, education calendar, regulatory updates, and ongoing monitoring. We don't hand you off and disappear.
Real people.
Real accountability.
Your plan has names attached to it: advisors who know your committee, your participants, and your goals. Not a toll-free number.
Adam Lefler
Partner & Lead Advisor15+ years. MS Finance, U of U. Leads Coign's employer retirement practice.
Jake Rushton
Retirement Plan Advisor17+ years in 401(k) plan design and participant outcomes.
Kyler Brooksby
Retirement Plan AdvisorPlan design, investment selection, and participant outcomes.
Shirley Spencer
Client ServicesClient onboarding, plan administration, and participant support.
Taylor Motz
Client ServicesClient scheduling and service coordination.
"A retirement plan designed with intention is one of the most powerful things you can offer your people and your business."Coign Retirement Plans Advisory Team
The fiduciary
advantage.
Fiduciary. Always.
Legally obligated to act in your participants' best interests. No commissions, no product sales, no conflicts of interest.
A team, not a solo advisor
Multiple advisors and support staff ensure your plan is never dependent on one person being available.
Institutional access, personal service
We negotiate institutional investment pricing for your plan while staying as responsive as a firm that knows your name.
Connected to Coign Capital
Your employees can access full financial planning through Coign Capital, bridging their plan to their broader financial life.
Straight answers
for plan sponsors.
The questions HR leaders and CFOs ask us most, answered plainly. Don't see yours? Ask us directly.
Are you a fiduciary to our plan?
Yes. We serve as a co-fiduciary for investment advice under ERISA 3(21). We can also discuss 3(38) discretionary delegation based on your committee's needs.
How are you compensated?
We prefer fully transparent, fee-only arrangements. If legacy revenue sharing exists, we credit it back to the plan where possible. No hidden compensation.
What size plans do you serve?
We work across plan sizes, from emerging businesses to mid-market companies. Our 40+ plans range from small employers to professional firms with complex needs.
Can you help with committee training?
Yes. We provide annual fiduciary training, meeting minutes templates, IPS documentation, and ongoing support so your committee can fulfill its duties confidently.
What plan types do you advise on?
401(k), safe harbor, cash balance, defined benefit, pension, and SIMPLE IRA plans. We recommend the right structure for your business and workforce goals.
How long does onboarding take?
Most plan transitions complete in 60 to 90 days. We coordinate with your recordkeeper and TPA so the process is smooth for your HR team from day one.
Tools for plan sponsors.
Plain-language guides to help you run a tighter, more compliant plan.
Fiduciary Checklist
Key fiduciary tasks and documentation to review each quarter to stay current on your obligations.
Cost ManagementFee Benchmarking Guide
How to read your 408(b)(2) disclosure, identify hidden costs, and understand what fair compensation looks like.
GovernanceSample IPS Template
Structure and criteria for an investment policy statement that satisfies ERISA documentation requirements.
What Is a Fiduciary?
A plain-language walkthrough of fiduciary duty and what it means for your plan committee.
Cash Balance vs. 401(k)
Side-by-side comparison of two powerful retirement strategies for business owners and partners.
Plan Design & Participation
How small design decisions drive big differences in employee enrollment and deferral rates.
Tell us about
your plan.
No pressure. No pitch. A 30-minute conversation about where your plan is and where you want it to go, at no cost.
Part of the Coign family
Schedule a free 30-minute conversation. No pitch, no pressure. Just an honest look at where your plan stands and where it could go.
Book a Free ConsultationCoign Capital Advisors LLC is a Registered Investment Adviser. Advisory services are only offered where properly licensed or exempt from licensure.