By asking "What could go wrong?" we create reality-based plans that help you realize your dreams and life goals.

What We Do

TWM 401(k) Plans:
Fiduciary Advice for Retirement Plans

Closing the cost, advice and performance gap for participants and plan sponsors

TWM offers plan and participant level fiduciary advice and investment management services to retirement plans such as defined benefit, profit sharing and 401(k) Plans. TWM's services as an ERISA 3(38) fiduciary manager is music to the ears of small and medium-sized plan sponsors, helping them to observe their fiduciary obligations, while freeing them to spend time on their areas of expertise.

Our mission with participants is to reduce costs while offering individualized counseling and education in an effort to improve performance, participation and retirement outcomes. 

By adopting open architecture solutions, TWM enables small to medium-sized plans to obtain the lowest costs, fee transparency and, perhaps more importantly, the ability to choose the best and lowest cost institutional class funds without conflict of interest. As we receive no compensation from funds selected, or any other third party, participants can be confident that our advice is unbiased. If you would like to learn more, please read our article Rethinking the 401(k)

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Thinking Aloud Blog

In today’s letter we share some perspectives on inflation, and the re...

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30 Monument Square
Suite 101
Concord, MA 01742
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