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DIFFERENCE: US Pentegra Retirement Services is focused on developing exceptional relationships with select retirement plan advisors to build your retirement business.

ADVANTAGE: YOURS Our specialized approach can help you deliver distinct retirement plan solutions that are as unique as your clients.

When you’re looking for a retirement partner, look to Pentegra.

focus Retirement plan solutions should be as individual as the clients that you serve. At Pentegra Retirement Services, we recognize the diverse needs of every client, and work closely with advisors to develop personalized retirement plan solutions that help your clients achieve their retirement goals.

Our relationship with you is based on a strong understanding of your needs. Your clients value you because you focus exclusively on their needs. At Pentegra, we are focused exclusively on yours.

Pentegra was founded by the Federal Home Loan Bank System in 1943 to offer a retirement program for its employees. While our business began by serving financial institutions, today we have grown to serve businesses of every kind.

A 65+ year history of delivering retirement plan solutions.


Pentegra Retirement Services

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For over 65 years, we have stayed focused on the retirement plan business. We work closely with select advisors to design retirement programs that work for every client’s individual goals and situation. That focus has made us the retirement provider of choice for thousands of clients nationwide. Our focus and experience can work to build your business too.

independence We are independent—unique among retirement plan providers—which enables us to offer retirement plans with an unbiased, transparent approach. We are not owned by an investment firm, mutual fund or insurance company. Pentegra’s investment platform is free of proprietary fund requirements so that you can work with your clients to structure the best retirement program for their needs.

Pentegra’s true open architecture investment platform delivers the ultimate in fund choice and flexibility with access to more than 5,000 funds from over 400 fund families and more than 11,000 share class alternatives. This platform represents one of the widest selections of mutual funds in the industry. Our open architecture approach offers the ultimate in fund flexibility—allowing you the ability to create a fully customized investment lineup for your clients and personalized retirement strategies for participants using your own investment models.

Alternatively, for advisors who want to outsource investment fiduciary responsibility, Pentegra’s Investment Select List offers complete ERISA 3(38) fiduciary liability protection under which we assume responsibility for the investment management process. Our Investment Select List offers style-specific alternatives across the investment spectrum. We evaluate, identify, select and monitor all of the investments on our Select List so that you can offer your clients a sound, documented fiduciary process that includes ongoing monitoring and performance reporting.


Pentegra Retirement Services

Independent and unbiased.

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solutions Pentegra’s comprehensive retirement plan solutions are designed to help you enhance your services.

Our depth and breadth of experience enables us to work with you to design retirement solutions that build value for clients. We offer total retirement solutions that can help drive your business—including combined defined benefit and defined contribution capabilities, and the ability to integrate company stock in retirement plan design using an ESOP or KSOP.

We work closely with advisors to develop cost-effective, comprehensive plan designs that complement your strengths while meeting the needs of every client you serve. We value and respect your client relationships as much as you do—our consultative approach supports your relationships to deliver solutions that enhance your value to your clients.

We offer a full array of retirement plan solutions on a bundled or unbundled basis, depending on what works best for you and your clients.


Defined Benefit Plans

401(k) Plans

Profit Sharing Plans



403(b) Plans

401(a) Plans

Executive Benefit & Director Plans

Private Label Retirement Plans

457(b) Plans

457(f) Plans

Cash Balance Plans

Pentegra Retirement Services

Comprehensive retirement plan solutions. That’s an


partnership At Pentegra, we are passionate about service—especially about making the complex business of retirement plans simple for advisors and their clients. We know you value your client relationships and want to offer them the best. That’s why we provide a Dedicated Relationship Management Team backed by in-house ERISA attorneys, certified investment professionals, actuaries, consultants, compliance experts and education and communication specialists.

Our experienced team stands ready to help with every step of the sales process and beyond—we are always available to you and your clients, from point of sale throughout the relationship. We tailor our relationship to meet your preferences—and partner with you to offer the services and tools you need to build the business you want. We will work as hard for your clients as you do.

Our reputation is based on the excellence of our people, and the quality of our work–not as we measure it, but as our client-partners do. No wonder we exceed expectations with 98% of our clients in our annual client survey for the last five years.

Retirement Plan Services Plan Design


Administration & Recordkeeping

Legal Services

Fiduciary Support

Plan Audit Services

Trust & Custody Services

Regulatory Compliance

Government Reporting

Stock Services

Actuarial Services

Comprehensive Education & Enrollment Materials

Retirement Modeling Tools

Annual Plan Review Ongoing Plan Communications & Reporting Packages Pentegra Partner Online 24/7 Access for advisors, sponsors & participants 8

Pentegra Retirement Services

We offer complete sales support for you—from prospecting tools to point of sale support with a Regional Marketing Director who partners with you to provide ongoing, knowledgeable help to expand your marketing and lead generation plan. Our custom-designed proposals and sales presentations are branded with your identity and developed specifically for your prospective clients. We will work with you as a true partner, with onsite support for sales meetings and presentations— based on what works best for you.

Sales Support Services

Prospect Database

Prospecting Tools

Customized Proposals

Sales Presentations


Web Customization

Where every client is as important to us as they are to you.

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oversight Governance and oversight mean more than ever today. Fee disclosure and responsibility for retirement plan assets and performance are of utmost concern. Pentegra offers a level of governance and oversight built on a 65-year heritage serving as an ERISA-named fiduciary. We offer you and your clients the advantage of insights and experience gained in this unique role, and the benefit of industry best practices for fiduciary standards.

For over six decades, Pentegra Retirement Services has focused exclusively on offering retirement programs for employees nationwide. We are not distracted by competing lines of business or other products. We are focused on putting the interests of your clients first.

That’s why we offer fiduciary services designed to make it easier to navigate today’s changing regulatory landscape. With our Investment Select List, we assume the (3)38 role of investment fiduciary and full discretion for selecting, monitoring and replacing investment options, relieving you of the burden of due diligence and ongoing monitoring of investments for your clients.


Pentegra Retirement Services

A 65+ year legacy of fiduciary experience.

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Learn how our specialized approach can help you deliver distinct retirement plan solutions that are as unique as your clients.

For more information, contact us at 800-872-3473, or visit us at

3 Enterprise Drive, Suite 105 Shelton, CT 06484-4694

800•872•3473 tel 203•925•0674 fax © 2011 Pentegra Retirement Services

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Pentegra Advisor Brochure

Advisor Brochure  

Pentegra Advisor Brochure