COVID-19 Update

Alliant Wealth Advisors is an "essential business" under Virginia state law and we remain fully operational during the COVID-19 crisis.

To keep our clients, staff and colleagues safe we are currently holding all meetings via video conferencing. And we are alternating a small number of staff in our office while the majority serve you from their home.

Speaking of our office. Our headquarters in Prince William will relocate to the Signal Hill Professional Center at 9161 Liberia Avenue, Suite 100, Manassas, VA 20110 effective Monday, April 20, 2020.

Whether we are virtual or in person, we are here for you. Please keep safe.

Best Regards,

John Frisch, CPA/PFS, CFP®, AIF®, PPC®


A Better
401(k) Solution

  401(k) and 403(b) Plans Made Simple  

Secure Retirement by Design

Alliant Qualified Plans provides a consultative process backed by an ultra-high level of service and state-of-the-art technology. Learn More

Better Plans

We offer better 401(k) and 403(b) plans to help retirement plan sponsors improve their employees’ ability to build toward retirement, reduce the potential personal liability of their plan fiduciaries, and simplify plan compliance and administration.

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Our Differentiators

Better Plan Investments

We access the low-fee funds offered by institutional money managers.

Better Participant Experience

Better funds along with our professional investment management, broad financial education and mobile account tools result in more engaged, better invested, better prepared employees.

Reduced Liability for Plan Sponsor Fiduciaries

We accept delegation – and liability – for investment selection and monitoring under ERISA 3(38).



The most common mistakes made by well-meaning companies and business owners include a failure to:

  • 1. Establish and follow written investment policies and procedures

  • 2. Understand sponsor fiduciary duties and potential personal liability

  • 3. Apply innovative plan design strategies to achieve employer/employee goals

  • 4. Monitor and replace poor investment options

  • 5. Understand and evaluate plan fees

  • 6. Administer the plan correctly, monitor periodically

  • 7. Identify conflicts of interest

  • 8. Provide employees the retirement tools they need

  • 9. Take action

  • Let’s start the conversation.

Going the extra mile

avatar The retirement-plan business is a competitive one. We deliver an “above-and-beyond” level of service that we believe all businesses should demand.

Joe Walsh heads Alliant Qualified Plans. His passion is working with employers to design and manage innovative 401(k) and 403(b) plans that meet organizational goals and employee needs. Joe’s expertise as a professional retirement plan consultant is backed by 30 years’ experience with money center banks providing clients with 401(k), investment management, pension, custody, and trustee services. This combination makes him a uniquely qualified advocate and partner for Alliant’s clients.


  • CONFLICT FREE | Your Fiduciary

    CONFLICT FREE | Your Fiduciary

    Objectivity is the hallmark of our services and advice – we’re conflict free today and we’ll continue to be so, just as we’ve always been. As a retirement plan sponsor, you need to have absolute confidence that your provider is impervious to the influences of third-party financial institutions.

  • PEOPLE | Commitment to You, Your Employees

    PEOPLE | Commitment to You, Your Employees

    The ability of many Americans to retire has been questioned by the news media and government leaders, as well as individuals. It is with those concerns in mind that Alliant has developed a slate of distinctive retirement plans, each with its own unique set of qualities.

  • OUR BEST | We Do Things Right

    OUR BEST | We Do Things Right

    Beginning with your goals, we help you strategically design both 401(k) and 403(b) plans to benefit your organization and your employees.

  • A LEGACY OF TRUST | Your Needs are Important to Us

    A LEGACY OF TRUST | Your Needs are Important to Us

    For more than a quarter of a century, Alliant Wealth Advisors has built a proud tradition of integrity, trust and financial excellence.

Latest News

Heads-up: attorneys on the prowl for 401(k) plaintiffs

August 2, 2016—An attorney in St. Louis, Mo, Mr. Jerome Schlichter, is advertising to participants in certain employer 401(k) plans to hire him in a class action against their employers. This particular attorney is well known in the 401(k) industry for suing and winning awards against a number of household name firms.

In addition most suits settle. His recent settlements include a $62 million case involving Lockheed Martin, and a $57 million case against Boeing. The list continues with Bechtel Corp., International Paper Co., Caterpillar Inc. General Dynamics Corp., Kraft Foods Global Inc., Novant Health Inc., Cigna Corp., Prudential Retirement Insurance and Annuity, and Ameriprise Financial. This last two are ironic in that these are financial service companies who sell 401(k) plans. The fact that their own employees sued them for the company plan may not bode well for their clients’ plan’s either.

The accusation in the suits are simple: employees at the company who were responsible for management of the plan (legally referred to as Plan Fiduciaries) violated their responsibility under the Employee Retirement Income Security Act (ERISA) by not making sure the fees that the plans were paying were reasonable – that’s the key word. Plan Fiduciaries must identify all plans fees, understand who is being paid what, and then adopt and consistently document a process to determine that the fees are, in fact, reasonable.

Note to Alexandria Capital clients who are reading this: you are fulfilling this obligation annually.

Mr. Schlichter’s firm has won awards or obtained settlements of over $300 million for 401(k) participants. His advertisements for new clients are to employees in Merck, Delta and, interestingly, The Evangelical Lutheran Church in America. This last organization is a 403(b), not a 401(k), indicating that non-profits are next.

If you are thinking to yourself that you have nothing to fear because the lawsuits are against very large plans and your plan is very small by comparison, you may have somewhat of a point. Fiduciaries at large plans have deep pocket and attract attorneys. But smaller plans are sued as well, and awards are won against the C-Suite officers and HR Directors. The number of lawsuits are accelerating, hitting a record in the fourth quarter of 2015.

In reality, the lawsuits are a drop in the bucket compared to what ERISA’s regulator, the Department of Labor (DOL), is winning against plan sponsors of all sizes. The $300 million that Mr. Schlichter has won over years can be assessed by the DOL’s Employee Benefits Security Administration (EBSA) over a period of 2 – 6 months (depending on how focused they are on 401k plans versus other tasks such as enforcing the Affordable Care Act). Every year the EBSA obtains awards from 2,000 to 3,000 plans and their Fiduciaries with an average award of $250,000 - $450,000 depending on the year.

If you are thinking to yourself that you don’t have to worry because you are with “Big Household Name Financial Institution (BHNF)” and they have my back (I hear a version of this every week of my life), good luck with that. BHNF firms were with all of Schlichter’s targets as well.

You have hired BHNF to record keep your plan assets (tracks whose money is whose), prepare plan documents, prepare your tax return, do plan testing, etc. In these areas they do have your back (except that if they make a mistake the regulators will blame you, not them). But in all the many other areas of ERISA compliance they absolutely do not have your back. They have their back.

Their goal in life is to sell you insurance or mutual funds. That is how they make money, so they cannot be blamed for this. Their goal is not to protect you from Schlichter or the EBSA. Think about it. Is it in their interest to tell you what your fees are and how to determine they are reasonable?

It’s in the best interest of BHNF for you not to know your fees and not to have a process that determines reasonableness. In fact, the vast majority of small 401(k) plans (and many of the large plans that have been successfully sued) pay their fees through a process called “revenue sharing,” which is a sophisticated process of hiding fees. The plan investments make X%, but the participants are told they earned X% less the fee %.

For these reasons most plan participants and (believe it or not) some plan sponsors believe their plan is “free.” That’s the objective of BHNF. In fact I’ve even seen fancy “Fiduciary Governance” training booklets published by one particular BHNF which just happens to leave out this whole “reasonable fee” obligation from the list.

In summary, when you started your 401(k) you promised, knowingly or not, to adhere to the rules found in ERISA. ERISA places great responsibilities on Plan Sponsor Fiduciaries. It should. The Plan Sponsor Fiduciaries are solely responsible for the management of the 401(k) and, therefore, will have a great impact on the future retirements of their employees. If you believe that BHNF has ANY responsibilities under ERISA think again. In fact, odds are your service agreement with them is crystal clear (to an attorney) that they have zero obligation under ERISA and that you have all of it.

At Alexandria Capital we do not have our own proprietary family of mutual funds or insurance to sell. This allows us the freedom to train Plan Sponsors properly in all aspects of compliance with ERISA. It also, unlike BHNF, allows us to legally accept delegation for some of your ERISA responsibilities so you no longer have liability for them.

If you are interested in learning more, let us know.

Tags: 401 (k), Company Retirement Plans

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