Green Bay, WI Office

Transform Retirement provides advisory services to sponsors of employer‑sponsored retirement plans (including 401(k) and SIMPLE IRA plans) and to individual clients and families. Services include plan consulting and administration — such as discretionary or non‑discretionary investment management, ERISA §3(16) plan administration, comprehensive plan reviews, provider due diligence, and participant communication/education — as well as individualized financial planning and investment advice for households.

The firm describes a faith‑oriented approach, seeking to align clients’ financial goals with biblical principles and emphasizing personalized engagements with savers and their families. Investment work generally relies on mutual funds and ETFs, with diversified plan menus and strategic allocations for one‑time individual clients or more tactical allocations for ongoing relationships; plan investments are monitored on a quarterly basis or per the plan’s investment policy.

Noteworthy differences from many solo independent advisers include a clear focus on pension/profit‑sharing plan clients and pension consulting — and the potential to accept named fiduciary/administrator roles for plans — services that are relatively uncommon among peers. The firm is fee‑only and typically charges flat or hourly fees rather than percentage‑of‑AUM pricing, and the firm’s principal also holds industry roles with other retirement service firms (a disclosure that may affect availability and present potential referral considerations, with no additional compensation received).