SMART IRA Plan Solutions

SMART IRA Plan Solutions was created to help plan sponsors and providers uphold fiduciary standards while protecting participant savings.

For participants, SMART IRA offers a secure and seamless way to preserve retirement savings after leaving employment or during a plan termination. 

Balances are automatically rolled into an IRA invested in a principal-protected investment, keeping savings tax-deferred and safeguarded. IRA account holders also have the option to select from low-cost institutional funds and continue contributing to their IRA through SMART IRA.

For employers and plan providers, SMART IRA simplifies plan administration, reduces fiduciary risk, and ensures full compliance with ERISA, IRS, and Department of Labor regulations. It is the only automatic rollover solution designed and managed by a former Senior Investigator of the U.S. Department of Labor, providing a transparent, efficient, and fully documented process for managing small account balances, plan terminations, and mandatory distributions—protecting both the plan and its participants.