Fiduciary 3(21) Services

As a 3(21) fiduciary advisor, DECCA Private Wealth Management shares responsibility with plan sponsors to act in the best interests of participants. Our services include:

​

• Plan Design & Optimization: We craft 401(k), 403(b), 457, pension, and annuity plans to maximize tax advantages, employee participation, and employer contributions, including safe harbor provisions.

• Investment Selection & Monitoring: Leveraging our open-architecture platform, we select and oversee diversified investment options, ensuring alignment with your plan’s objectives and risk tolerance.

• Compliance & Risk Management: We ensure adherence to ERISA, IRS, and DOL regulations, conducting annual testing, preparing Form 5500, and managing fiduciary oversight to minimize liability.

• Participant Education: We empower employees with personalized financial education and tools to make informed retirement decisions, boosting engagement and outcomes.

• Custodial Partnership: In partnership with Charles Schwab & Co., we provide secure asset custody, seamless administration, and access to robust investment platforms.