• We Are


    Welcome to our website. TJW Fiduciary Plan Consultants, LLC is a company that brings guidance to organizations regarding their employer plan-sponsored retirement programs.

    Our company was established by Timothy J. Windos, who has over 20 years of experience as a Financial Advisor and as a Branch and District Manager in the retirement plan industry. In his supervisory roles, Tim has served as the primary Relationship Manager to key decision-makers regarding their organizations’ 401(a), 401(k), 403(b) and 457 plans. He has collaborated with employers ranging from 20 to 10,000 employees on their sponsorship of institutional retirement programs. Tim has also directly provided on-site education to employees regarding the retirement plan offered by their employer.

    Over the last 15 years, several developments have contributed to significant changes in how employers must oversee the handling of their organizations’ retirement plan. Some of these occurrences are the underfunding of defined benefit pensions and the transition to defined contribution retirement plans; the volatility of the securities marketplace; case law precedents, state statutes and administrative codes regarding fiduciary status; and new and forthcoming U.S. Department of Labor regulations. These factors have all contributed to an increasing burden placed on executives and managers who have a role in overseeing their employers’ retirement plan. TJW Fiduciary Plan Consultants, LLC recognizes the causes effecting today’s retirement plan landscape. We also possess the ability to help employers successfully navigate the way to providing a sound retirement program for their employees. The end result is a plan that adopts the processes necessary to potentially mitigate risk for the employer and upholds the highest fiduciary standard of care for plan participants.

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    With the obligation of providing a sound retirement program now greater than ever for employer plan sponsors, choosing an experienced, credentialed professional for consultation is essential.


    Allow us the opportunity to earn a relationship of trust with your institution by servicing you with consistent, high-quality guidance in the oversight of your employer plan-sponsored retirement plan.

    Our company will provide you with an overall assessment of the health of your organization’s retirement program. We will also assist your company by ensuring that the management of your plan adheres to a prudent process.

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    As an employer, how do you know if you are meeting your obligations of care regarding your organization’s plan sponsored retirement program? Do you keep current with fiduciary legal requirements? Does your service provider(s) disclose all the important facts about the plan’s investments? Are the plan’s investments and expenses monitored on an ongoing basis? Regardless of whether your employer is a for-profit or not-for-profit, a prudent process should be followed. We can help.

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