What should I bring or prepare for the call?

Just a general sense of your business: how many locations, approximate employee count, whether you have an existing plan and who the provider is, and any specific questions or concerns. If you have a current proposal or a recent plan invoice, bring it — we can review it on the call. If you don't have anything prepared, that is fine too.

Is the consultation really free with no obligation?

Yes, completely. We do not charge for the initial consultation and there is no obligation to move forward. Our goal is to give you a clear and accurate picture of what your current plan is costing and what a better-structured plan would look like. What you do with that information is entirely up to you.

How quickly can a plan be set up after the consultation?

A new plan can be established same-day once documents are signed. For conversions from an existing provider, the new plan is typically live within 30 days, with the full asset transfer completing within 90 days. Employees can begin contributing to the new plan immediately — no contribution blackout.

What if I already have a 401(k) plan — can I still schedule a call?

Absolutely — in fact that is one of the most common starting points. We review your current plan's costs, fiduciary structure, and compliance provisions in 30 minutes and show you exactly what you have, what you are paying, and whether it is the right fit. Many plan sponsors have never had their current plan independently benchmarked.

Which consultation link should I use — 30 minutes or 15 minutes?

Use the 30-minute link if you want a full plan review, have an existing plan to discuss, or have questions about controlled groups, Syndicate structures, or a provider conversion. Use the 15-minute link if you have a specific quick question or just want to get a general sense of fit before committing to a longer call.

Schedule a Consultation

Let's Look at Your Plan.

Q: What happens during the 30-minute consultation?

We spend the first part understanding your current situation — how many locations, how many employees, whether you have an existing plan, and what your biggest friction points are. From there we outline what a franchise-optimized plan looks like for your structure, give you a clear picture of costs, and answer any specific questions about fiduciary coverage, controlled group rules, or the conversion process. There is no sales pressure and no obligation.

A 30-minute conversation can reveal whether your current plan is costing you more than it should — or leaving fiduciary risk on the table. No obligation. No pitch. Just a clear assessment of where you stand.

BOOK YOUR 30-MIN CALL → START A PLAN NOW →

What We CoverWhat the First Consultation Covers

            ✓
            Your current plan structure, provider, and total fee load
          
            ✓
            Whether IRS controlled group rules apply to your franchise entities
          
            ✓
            A high-level benchmark of your current costs versus the market
          
            ✓
            Your employee participation rate and plan experience quality
          
            ✓
            Whether a Syndicate arrangement would benefit your franchise system
          
            ✓
            Tax credits you may be leaving unclaimed
          
            ✓
            Recommended next steps — benchmarking, design, conversion, or no action required
          
What to BringWhat to Have Ready

          You do not need anything formal — these are rough numbers, not documents.
          The more you know going in, the more specific we can be in 30 minutes.
        
Number of employees and locations

Current 401(k) provider name and approximate plan value

Whether you own multiple entities or EINs

Your current payroll provider

Whether your plan is less than 3 years old (for tax credit eligibility)

BOOK YOUR TIME

Pick a Time That Works for You

SCHEDULE 30-MIN CONSULTATION →

OR SEND A MESSAGE

We Will Reach Out Within One Business Day

First Name

Last Name

Company / Franchise Name

Phone

Number of Locations

Current Provider (optional)

Message (optional)

We will respond within one business day.
Your information is never shared or sold.

1-844-4-RETPLAN

What happens during the 30-minute consultation?

We learn about your structure — locations, employees, existing plan — then outline what a franchise-optimized plan looks like for you, give you a clear cost picture, and answer specific questions about fiduciary coverage, controlled groups, or conversions. No sales pressure. No obligation.

What should I bring or prepare?

Just a general sense of your business: location count, approximate employee count, current provider if you have one, and any specific questions. If you have a current proposal or plan invoice, bring it — we can review it on the call. Nothing prepared is fine too.

Is it really free with no obligation?

Yes, completely. We give you a clear and accurate picture of your current plan's cost and what a better-structured plan would look like. What you do with that is entirely up to you.

How quickly can a plan be set up after the call?

A new plan can be established same-day once documents are signed. Conversions are typically live within 30 days, full asset transfer within 90 days, with employees contributing to the new plan immediately — no blackout. See plan conversion.

What if I already have a plan?

That is one of the most common starting points. We benchmark your current plan's costs, fiduciary structure, and compliance provisions and show you exactly what you have, what you are paying, and whether it is the right fit. Many plan sponsors have never had their plan independently reviewed. See plan review.

Should I book the 30-minute or 15-minute call?

30 minutes if you want a full plan review, have an existing plan to discuss, or have questions about controlled groups, Syndicate structures, or a conversion. 15 minutes if you have a quick specific question or just want a general sense of fit before a longer conversation.

Your Franchise. Your People. Your Plan.

Isn't It Time Your Franchise Had a 401(k) Built for It?

Franchise ownership creates retirement plan complexity that generic providers were not designed for. A complimentary benchmark review takes 30 minutes and shows you how your current plan's costs, structure, and fiduciary process compare to the market.

Request Your Benchmark Report Schedule a Consultation

Start a Plan Now

Ready to benchmark your franchise 401(k) plan?

Capital Investment Company of Virginia and Franchise 401k Plans are trade names of Retirement Fiduciaries of VA, LLC. Investment advisory services are offered by J. Andy Ingram, an investment adviser representative of Sollinda Capital Management, a Registered Investment Adviser. An additional advisory fee applies for investment advisory services. This fee is separate from and in addition to the plan administration, recordkeeping, and AUM fees described on this site, and varies based on total plan assets and whether the engagement involves a new plan or a plan conversion. This website is for informational and educational purposes only and does not constitute an offer or solicitation to buy or sell any securities or investment products. Past performance is not indicative of future results. All plan design, consulting, and fiduciary services are subject to a formal written engagement agreement. Nothing on this site constitutes tax or legal advice. Please consult your tax professional or attorney regarding specific tax questions, including eligibility for federal tax credits under SECURE 2.0. Retirement plan consulting services are provided in connection with qualified plan platforms governed by applicable ERISA regulations.

Let's Look at Your Plan.

What the First Consultation Covers

What to Have Ready

Pick a Time That Works for You

We Will Reach Out Within One Business Day

Consultation FAQ