A fee-only consultancy for employers who refuse the conflict.
TrueNorth Fiduciary Risk Advisors was built around a single conviction: the corporate benefits industry is structurally misaligned with the employers and families it serves, and that misalignment is correctable with a strict fee-only operating model and published fiduciary attestation. We are not a brokerage that "added a fiduciary product." We do not have a commission line of business on the side.
Three commitments that define every engagement.
Fee-only, in writing
Our engagement letter specifies a flat retainer or PEPM. Zero carrier commissions, zero contingent overrides, zero indirect compensation.
Co-fiduciary signature
We sign as a §3(21) co-fiduciary on every plan. Where engagement scope calls for it, we accept §3(38) discretionary authority.
Public attestation
Our 408(b)(2) compensation disclosure is published openly, refreshed quarterly, and reviewable on the same URL every time.
Reviewed by ERISA counsel before delivery.
Every engagement deliverable — plan documents, vendor RFPs, fiduciary attestations — is reviewed by a member of our ERISA counsel panel. We do not extend legal advice, and the counsel panel is not your law firm. But your committee receives work product that has been read by an attorney whose practice is ERISA welfare-plan defense.
- ERISA welfare-plan litigation defense·
- HIPAA / HITECH compliance review·
- PBM contract counsel — pass-through structures·
- Stop-loss policy review and laser-clause defense·
- Mental Health Parity (MHPAEA) compliance·
- Plan governance committee structure·
Our fiduciary commitments are not a marketing page. They are a signed agreement.
The Fiduciary Fee-for-Service Agreement is the same document we sign with every client. It is published for anyone to read.
Read the Fiduciary Oath