Insights

A retirement plan should be an asset—not a source of risk, confusion, or extra work.

And here's the simplest test: if you couldn't explain—on one page—who owns what in your plan, you might be carrying risk you can't see.

That's the gap Stephanie Day is uniquely positioned to close.

Stephanie joined HORAN Wealth as Vice President, Business Development for Retirement Plan Consulting. Her focus is clear and practical. Retirement Plan Clarity—helping CEOs, CFOs, COOs, CPOs, and Heads of HR reduce fiduciary exposure, improve plan outcomes, and make confident decisions without turning the plan into a second job for HR, Finance, or Payroll.

Why This Matters Right Now

Many successful organizations still don't have a clear understanding of who does what across their retirement plan ecosystem—recordkeeper, advisor, TPA, payroll, internal committee, and legal support—and where fiduciary responsibilities sit. That lack of clarity is often the root issue behind rising risk, inconsistent decisions, and understanding employee outcomes.

The Retirement Plan Consulting team at HORAN Wealth has worked with employers throughout the region for decades as fiduciaries, giving them a close view of how retirement plans operate in practice—not just in theory.

Retirement Plans: Now a Business's Competitive Advantage

"The most common issue we see isn't a lack of effort," says Stephanie Day, Vice President of Business Development for HORAN's Retirement Plan Consulting Team. "It's that retirement plans are still treated like an administrative function, when they've become a strategic business lever. When ownership isn't clear, risk and inefficiency quietly take root."

That observation aligns with broader industry research. One national analysis noted that "retirement plans are no longer just a perk—they're a strategic lever for business growth," particularly in competitive labor markets where benefits play a meaningful role in attracting and retaining talent. The ROI of a Modern 401(k): Turning Benefits into Business Results, PEO Insider, December 2025.

What Business Leaders Come to HORAN to Solve

Most organizations don't reach out because they want a "better 401(k)." They reach out because something feels unclear, risky, inefficient—or quietly broken.

In their decades of working with employers, the team sees several common issues:

• Operational and payroll risk
• Plan document confusion
• Fiduciary and regulatory pressure
• Employee engagement challenges
• Fee clarity and fairness

How HORAN Retirement Works: Services That Reduces Burdens & Improves Outcomes

HORAN Wealth's Retirement Plan Consulting Team is based in Cincinnati and serves employers with a regional and national footprint. The team operates as an extension of your team: practical partnership with your committee, HR, payroll, and providers—plus clear ownership and follow-through so issues don't linger.

Just as importantly, the team makes complexity simple and decisions actionable—plain-language guidance leaders can use, with a structured approach to reduce risk and improve outcomes without adding burden.

A Note for Business Advisors

HORAN is frequently referred by, and works alongside, business advisors—including CPAs, attorneys, and other professional partners—when employers want tighter coordination and a clearer process around plan oversight and governance.

Smart Next Step—At No Cost or Obligation

Let us complete a complimentary review of your current retirement plan to identify:

• Key fiduciary and operational risks you may not be seeing
• Cost and fee opportunities to improve clarity and fairness
• Practical improvements that strengthen outcomes for employees and the business

You'll leave with:

• A clear view of what matters most
• A short list of priority opportunities
• A recommendation on whether a deeper review is worth it

Contact 

Securities offered through M Holdings Securities, Inc., an unaffiliated registered broker-dealer, member FINRA | SIPC. Investment advisory services offered by HORAN Wealth, LLC, registered with the U.S. Securities and Exchange Commission. Not FDIC Insured | No Bank Guarantee | May Lose Value

The information herein has been obtained from sources believed to be reliable, but we cannot assure its accuracy or completeness. Neither the information nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. Any reference to past performance is not to be implied or construed as a guarantee of future results. Market conditions can vary widely over time, and there is always the potential of losing money when investing in securities. HORAN Wealth and its affiliates do not provide tax, legal, or accounting advice. This material has been prepared for informational purposes only and is not intended to provide and should not be relied on for tax, legal, or accounting advice. You should consult your own tax, legal, and accounting advisors before engaging in any transaction.