GEN Group - RBC Wealth Management - Retirement Plan Team

GEN Group: About us – Retirement plan services

Discover what GEN Group can do for you – Retirement plan services.

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GEN Group - plan sponsor services

At GEN Group, we have specialized in advising corporate and not for profit retirement plans since 2004. Our focus on support for plan sponsors delivers independent, transparent and timely advice to executives and committees. As a member of RBC Wealth Management’s institutional retirement team, we have the financial strength and resources to provide:

ERISA 3(21) and 3(38) fiduciary support
Assistance in plan design and provisions
Investment monitoring
Fee benchmarking and investment fund expense analysis
Enhancing HR and Benefits directive for recruitment and retention of employees
Assistance with plan governance and fiduciary support (annual education to committees)
Assist and monitor recordkeeping and administrative services • RFP issuance and analysis
Participant education, communications and one on one counseling

Does your organization need a plan review and analysis?

Most ERISA-governed retirement plan sponsor should review their plan health every 4 to 5 years, as an industry best practice. In many cases, independent reviews can highlight plan fiduciary issues that may leave the organization exposed to risk and potential liability. Our reviews cover:

Plan governance and documentation
Plan fee structure and recommendations
Plan investment line up, default options and performance
Participant education and communications support

How GEN Group plan sponsor service can improve your plan

Unbundle existing plan services to unlock fee reduction, lower fund expenses and provide more transparency to employees
Enhance HR and benefit communication to employees to reflect financial wellness efforts on behalf of the organization
Build custom employee education and individual consultations to drive improved participation and deferral rates
Quarterly fiduciary reports to document plan data, investment performance and fiduciary documentation

Find out how GEN Group can significantly improve your plan benefits by contacting us today.

Michael Aylward, CEBS®, CPFA®, CRPS®, MBA

Senior Vice President - Financial Advisor

Mike has more than 30 years of finance and investment management experience, and is a founding member of the GEN Group. Mike leads retirement plan sponsors (401(k)/403(b)) to help them meet their responsibilities and maximize value for plan participants.

He works closely with many corporate and nonprofit executives and committees to create retirement plans that work to enhance recruitment and retention of employees. Additionally, Mike educates plan participants to help them better understand retirement preparedness and financial wellness.

Mike holds Bachelor of Arts and MBA degrees in finance from Boston College, as well as various retirement designations.

He was named a Top Retirement Plan Advisor by the Financial Times in 2016–2020.

Natalie Miller, CFP®

Senior Vice President - Financial Advisor

Natalie joined GEN Group in 2017 and has been in the financial services industry for more than 17 years. She spends her day with private clients, associations and nonprofit clients. She is passionate about spreading financial wellness and literacy to all individual and institutional clients.

Natalie helps her clients to not just realize their goals, but to understand what is truly possible. This means going beyond numbers, percentage points or dollar signs and knowing her clients intimately and being empathetic to their unique situations. She helps her clients maximize their potential by navigating them through the ever-changing economic landscape and delivers tailored planning and investment solutions.

She earned her Bachelor of Arts degree in economics and American politics from the University of Virginia in 2004.

Natalie holds the CERTIFIED FINANCIAL PLANNER designation, passed the Series 7, 66 exams and holds state life and health insurance licenses.

Stacia Apostolos, AIF®, CPFA®, MBA

Financial Advisor

Stacia has over 19 years of experience specializing in ERISA plan consulting and serves as a Financial Advisor member of the GEN Group. Stacia focuses on providing fiduciary guidance and education to corporate and nonprofit executives and committees.

Stacia understands the complexities of navigating employer sponsored retirement plans and is dedicated to helping sponsors efficiently and effectively uphold their plan management responsibilities. She is dedicated to understanding the needs of plan sponsors and delivering unique and innovative solutions for achieving desired plan outcomes. Her energy for all things ERISA partnered with her passion for teaching financial literacy to plan participants is what clients love most.

Stacia holds a Bachelor of Science degree from St. Catherine University and a master’s in financial planning from California Lutheran University. She is an Accredited Investment Fiduciary through Fi360 and a Certified Plan Fiduciary Advisor™ (CPFA™) and an active member of The National Association of Plan Advisors (NAPA) and the Women in Pension Network (WiPN).

Nicole Aguinaldo, CPFA®, CRPS®

Investment Associate

Nicole started her career shortly after graduating in May 2016 and joined GEN Group in 2019. Nicole works closely with both sides of the business— private wealth clients and plan sponsors. She oversees the day-to-day operations of the GEN Group while getting to know clients in forming effective solutions to their concerns. Nicole is the go-to person for onboarding clients and making their transition as smooth and efficient as possible.

She also works hand-in-hand with Mike and Natalie to provide exceptional service to retirement plan sponsors. Nicole assists Mike with the plans’ quarterly reviews and supports Natalie with the educational program for the plan participants.

Nicole earned her Bachelor’s degree in applied economics from Virginia Tech with a concentration in financial planning.

She holds the Chartered Retirement Plans Specialist® designation and is working toward obtaining the CERTIFIED FINANCIAL PLANNER® designation.

Disclosures

¹The Financial Times 401 Top Retirement Advisors is an independent listing produced annually by the Financial Times. The FT 401 is based on data gathered from advisors, broker-dealer home offices, regulatory disclosures, and the FT’s research. Criteria for the award includes defined contribution (DC) plan assets under management, growth in DC plan business, specialization in the DC business, years of experience, industry certifications and compliance record. The financial advisor does not pay a fee to be considered for or to receive this award. This award does not evaluate the quality of services provided to clients. This is not indicative of this financial advisor’s future performance.

The 2020 Financial Times "Top 401 Retirement Advisors" award was announced October 2020. Data as of 12/31/2019. The award is an independent listing produced annually by the Financial Times. The FT 401 is based on data gathered from advisors, broker-dealer home offices, regulatory disclosures, and the FT’s research. Criteria for the award includes defined contribution (DC) plan assets under management, growth in DC plan business, specialization in the DC business, years of experience, industry certifications and compliance record. The financial advisor does not pay a fee to be considered for or to receive this award. This award does not evaluate the quality of services provided to clients. This is not indicative of this financial advisor’s future performance.

Read additional advisor disclosures.