Stephen Cheek, AIF®
Stephen Cheek has actively consulted on, and managed the retirement and insurance needs of corporations and individuals for over thirty years. From the perspective of plan sponsors, he has a keen understanding of the oversight required of retirement plan sponsors to navigate the four distinct Fiduciary Functions required of them by ERISA, the DOL and IRS: Plan Administration and Reporting; Participant Enrollment and Education; Selection and Monitoring of Plan Investments; Oversight of Plan Service Providers. His plan sponsor client and consulting list includes: Coca-Cola, Raytheon, The Federal Reserve Thrift Plan, Time Warner, Hess Oil, PVH Corp., Christiana Healthcare, and the City of New Orleans Police and Fire Retirement Fund. Stephen received a BS in Finance from the Pennsylvania State University.
Stephen's experience in the retirement plan market includes defined benefit, defined contribution, and governmental plans; from designing and implementing start-up plans to assisting plans with several billion in assets. His experience working for large investment companies, plan administrators, and insurance companies gives him unique insight into designing effective and cost-efficient retirement plans.
When working with individuals and their families, Stephen acts as an advisor to help them:
- determine their appropriate retirement and insurance needs to most effectively fulfill their desired outcomes;
- develop comprehensive goals and coverage, at the best possible price;
- establish and implement a plan, revise and address it as needed;
- comply with the state and federal requirements;
- promote fee transparency and minimize fees;
- avoid conflicts of interests, Stephen is purposefully "not" affiliated with anf specific investment or insurance companies and acts in an advisory capacity.
Clarity Retirement Partners is located in Towson, MD