Vault Retirement Services
Providing Financial Independence at Every Turn
Defining Plan Goals
Quarterly Investment Review
3(21) or 3(38) Fiduciary Services
Plan Participant Education
Fiduciary File Compliance Assistance
Investment Policy Statements
Holistic Annual Review
Plans We Manage
Pension, Defined Benefits & Cash Balance
Executive Compensation Plans
Why Vault Retirement Services?
The regulatory environment for retirement investment planning is constantly changing. Companies not in compliance with these fluctuations are at risk of costly violation penalties. Our retirement plan specialists are experienced in managing compliant company retirement plan solutions. We relieve the hefty fiduciary responsibility that’s associated with running a business while typically adding significant value to your organization.
Marty Burke, CPFA
Owner & Partner, Vault Retirement Services
Financial Consultant, RJFS
Marty Burke is an owner and partner of Vault Retirement Services, LLC. Marty is a Certified Plan Fiduciary Provider (CPFA) and earned his JD from the University of Maryland School of Law. After graduating from law school, Marty worked in the Circuit Court of Baltimore City where he practiced family law in Baltimore and the surrounding communities.
Marty moved to St. Pete in 2006 and began working for the Matthews Benefit Group, an independent 401(k) third-party administration firm. After working his way up the ranks at the Matthews Benefit Group, Marty and his business partner purchased and eventually sold the company to a national third-party administration firm.
During his time with the Matthews Benefit Group, Marty noticed that many retirement plans lack appropriate fiduciary investment advice and offer sub-par service, leading to small business owners retaining more liability for their investments than necessary. With his deep knowledge of the retirement plan industry, Marty established Vault Retirement Services, LLC with the mission to provide businesses with the prudent advice and excellent service they should expect from a retirement plan advisor.
Marty was also a member of the Leadership St. Pete Class of 2008. In his free time, Marty enjoys spending quality time with his daughter, rock climbing, baseball, art museums and enjoying everything St. Petersburg has to offer.
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For Employers & Business Owners
You take care of your employees today. We'll take care of their tomorrows.
You have enough keeping you up at night as a business owner. Let us bear the fiduciary burden of managing your company’s retirement plan. Our retirement plan specialists are experienced in keeping current with the ever-changing tax code regulations that businesses must adhere to. We can ensure ERISA (Employee Retirement Income Security Act) compliance to avoid stiff penalties.
The benefits to investing in our retirement services include:
We are a trusted extension of your team.
We understand that you’ve worked hard to secure client relationships and believe in keeping them proprietary. Our services enable you to strengthen and retain those relationships by better managing your clients’ business retirement plans – at no risk to you. We keep you involved in all client communication and refer personal business back to you once they reach retirement age.
Here are the benefits to enlisting our advisor partners:
Frequently Asked Questions
Here are some common questions we hear from employers along with answers to give you reassurance.
Every employer faces the risk of being penalized for non-compliance in managing employee retirement plans. Violations are usually due to an honest lack of oversight and limited resources. Companies cannot afford to incur these penalties, especially with the Department of Labor increasing fines across the board – and with such an easy solution available.
We transfer the substantial liability of managing your employees’ 401(k) investments and other retirement plans by serving as 3(21) or 3(38) fiduciaries. We use our expansive knowledge base to design a plan that maximizes contributions to employee retirement savings plans. We hold individual investment meetings together with you and your clients to make them keenly aware of how they are being compensated for their hard work and commitment to your organization. Such benefit offerings can make you an employer of choice!
We review your current plan design to ensure feasibility and optimization. We also introduce additional plan options including executive compensation or other tax deferred retirement plans. By strategically amending the current plan structure, we often increase employee interest and participation through regularly scheduled enrollment meetings.
We know how valuable employees are and commit ourselves to supporting their retirement goals on your behalf. Our specialists provide investment guidance and financial wellness education to all plan participants. By offering these valuable services to your employees, you demonstrate your loyalty to them – and increase their loyalty to you.
No problem, and no need to change providers. We work with your current providers to renegotiate rates with the goal of reducing total cost to you. We also integrate seamlessly with your human resource and other internal departments, allowing them to re-focus on core responsibilities while we manage your retirement plans.
You are included in all client communications and review meetings. Once your clients reach retirement age, we will refer the personal retirement planning directly back to you.
Passive income on client referrals, deepening the value of your existing relationships to increase retention, and generating additional revenue streams through new plan options are just a few of the ways you may benefit.
Business retirement plan solutions are currently an untapped resource for your company. We have the liability experience to enable you to confidently offer this valuable service to clients, likely giving yourself a competitive edge in the market. It also requires minimal time or cost investment on your end.