Retirement Plan Services

Delivering tailored corporate retirement plan solutions

We specialize in delivering tailored corporate retirement plan solutions that help businesses reduce fiduciary risk, streamline plan administration, and enhance employee retirement outcomes. Whether you're a small business looking for your first plan or a growing company seeking a more cost-effective and compliant strategy, our team brings deep expertise, transparent pricing, and hands-on support every step of the way.

With a deep understanding of corporate retirement plan regulations, benefit delivery and a commitment to fiduciary responsibility, Risk Strategies provides objective guidance and solutions. Our goal is to help you make confident, well-informed retirement plan decisions.

A smarter approach to retirement plan services

As the workplace continues to evolve, so do the responsibilities and expectations of retirement plan fiduciaries. Maximizing plan effectiveness and long-term financial success starts with the right partner. At Risk Strategies, we combine strategic insight with deep industry expertise to support plan sponsors and plan participants.

Our retirement plan services include:

Retirement plan design & optimization – Creating plans that are competitive, tax-efficient, and aligned with your organizational and financial goals.
Investment guidance & co-fiduciary services – Ongoing investment performance monitoring and fiduciary support to help manage risk and maintain compliance.
401(k) compliance support – Navigating complex regulatory requirements with confidence and precision.
Consulting and education – Providing clear, accessible education and strategies that support retirement readiness and maximize participant outcomes.
Plan governance support – Helping sponsors implement and maintain strong plan oversight and documentation practices.

With Risk Strategies, you gain a trusted partner committed to delivering customized solutions that meet the highest standards of fiduciary excellence.

Certain individuals associated with Risk Strategies are registered to offer investment advisory services and securities with third-party investment advisers and/or broker-dealers that are not owned or controlled by or affiliated with Risk Strategies. Please ask our team members for more information about the investment advisory and securities brokerage firms performing these regulated services. For information on each of our listed Solution Experts’ registration status, please view their individual website disclosures. Additional information about individuals registered with FINRA can be found on FINRA's BrokerCheck.

Solution Experts

Managing Director

Michael Waters

Managing Director

Michael Waters serves as Managing Director in the Financial & Wealth Services division of Risk Strategies. He brings more than 35 years of financial services experience to his clients with a focus on employee benefits, wealth management, and retirement plan services.

Michael started his career with Profit and Pension Planners Inc., a retirement plan consulting firm in 1985 and became a partner in 1989. In 2003, Michael was one of the founding members of TSG Financial LLC, a full-service employee benefits and Financial Services consultant and broker. TSG Financial was acquired by Risk Strategies in 2016.

Michael strives to provide highly-responsive, personalized strategies to sophisticated clients who desire holistic financial counsel. He believes in developing long-term partnerships with his clients who benefit from competitive, transparent pricing, appropriate products, and personalized guidance. Michael works closely with the Private Equity and Employee Benefits teams to deliver retirement plan solutions which complement the overall corporate programs at Risk Strategies.

Michael earned a Bachelor of Arts degree from Binghamton University. He is a chartered life underwriter, CLU, and Chartered Financial Consultant.

The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. Securities and investment advisory services offered through Osaic Wealth, Inc. member FINRA/SIPC. Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth. Osaic Form CRS. This communication is strictly intended for individuals residing in the states of: AZ, CA, CO, CT, DE, FL, GA, IL, IN, IA, KS, LA, MD, MA, MN, MT, NV, NJ, NY, NC, OH, OR, PA, SC, TN, TX, UT, VA, WY, DC. No offers may be made or accepted from any resident outside the specific states referenced.