Michelle M. Marsh, President and Chief Visionary Officer, RPCSIMichelle M. Marsh, President and Chief Visionary Officer
In the multifaceted world of retirement planning, customization, expertise, and a deep understanding of regulations is paramount. An organization needs more than a one-size-fits-all approach. Retirement Plan Concepts and Services, Inc. (RPCSI), a beacon in the retirement planning landscape, offers retirement plans tailored to clients’ objectives. Through a blend of in-depth consultation, compliance awareness, and client-centric strategies, the company empowers businesses and individuals across the US in their journey towards a secure retirement.

RPCSI serves as an independent firm that specializes in 401(k) solution sources, retirement plan design and consulting, Internal Revenue Service (IRS) compliance testing, and government reporting, among other services. They also offer a no-cost, analysis of the company’s retirement plan goals and corporate structure, which is essential for implementing a successful retirement plan. Dedicated to fulfilling its clients’ retirement plan goals, the company crafts a plan design that aligns with clients’ preferences while adhering to legal constraints.

The company’s comprehensive, timely, and high-quality administrative and technical services create effective retirement plans for a diverse range of clients across various sectors. RPCSI operates under a fee-for-service model without affiliations with insurance companies or financial institutions.

“We help clients stay compliant, avoid legal problems, and adapt to changes in the law by staying up-to-date with regulations on a regular basis,” says Michelle M. Marsh, president and chief visionary officer at RPCSI.

The company‘s adaptability to its clientele’s demanding needs is evident when intricate challenges like IRS implications result from shifts in plan composition amidst evolving business dynamics. For example, hiring a younger child of an owner or hiring an older employee may inadvertently have an adverse effect on the plan design and subsequent IRS compliance testing. In these instances, RPCSI guides the client through these changes while ensuring compliance and avoiding legal pitfalls.

RPCSI also functions as a seamless extension of its clients’ HR teams. It has cultivated partnerships with financial advisors and investment entities, strengthening its ability to provide its clientele with a comprehensive and well-informed network of retirement professionals.

The firm assigns dedicated, qualified ERISA consultants to each plan, reflecting its determination to provide clients with the best team possible. In instances requiring input from an ERISA attorney, the company proactively consults with them rather than advising clients to seek their own independent legal counsel. This approach ensures clients have a go-to expert for any concern, alleviating the burden of understanding complex legal matters.

We help clients stay compliant, avoid legal problems, and adapt to changes in the law by staying up-to-date with regulations on a regular basis

RPCSIs cooperative strategy of taking a personal, one-on-one approach with each client showcases its stance on safeguarding clients’ interests. In one instance, the company assisted a small farm in navigating an ownership transition to the farm employees despite limited capital. RPCSI orchestrated funding mechanisms that allowed farm owners to retain their farm’s value while selling it to the employees at a reduced price. Utilizing a DB/DC approach allowed them to regularly put a lot of money into both plans for the owners each year, while minimizing the expense to the other employees who would become the future owners of the farm. This approach ensured a smooth ownership transition of the farm, showcasing RPCSI’s innovative problem-solving in the retirement planning space. This showcases the company’s commitment to help navigate clients through potential challenges and bring solutions that work.

Notably, RPCSI is actively involved in industry associations like the American Society of Pension Professionals & Actuaries (ASPPA) and the National Institute of Pension Administrators (NIPA). This involvement demonstrates their commitment to the industry, staying current and providing credentialed experts to their clients.

RPCSI’s ideology is based on a commitment to building trust with clients and financial advisors. The foundation of its business relationships accentuates its ability to deliver exceptional results. It strives to be an industry leader by making retirement plan design and compliance services a positive and beneficial experience.