“Over time, the tools that help guide us to our desired destinations improve.

And with the recent introduction of vastly improved 401(k) and 403(b) platforms, tools have emerged that can improve the chances plan participants will reach their desired retirement destinations.”

                                    - Tom Pasqua, CPA

PASQUA, CPA is a Registered Investment Advisor and CPA firm.  We offer investment advisory and consulting services to retirement plan sponsors, and we provide plan participants one-on-one individualized advisory services to help them select the most appropriate investments.   We provide independent and objective advice, acting solely on the behalf of plan trustees and plan participants.  

Performing our advisory services as an ERISA section 3(38) Investment Manager, we exceed the industry's “suitability” standard accepted by most plans, and instead operate under the much higher  “fiduciary” standard.  In doing so, we never receive a commission on any recommendation and our fees are totally transparent.  As a result, only highly efficient, low cost investment alternatives (recently made available through optional platforms now offered by almost all major plan providers) are utilized.  These superior platforms allow for ...

  • A reduction in total plan costs for the plan sponsor and participants (including our  fee).

  • An employee educational and advisory program that leverages the benefits of  modern portfolio theory (MPT).

  • The use of models that enables all participants to easily implement MPT regardless of their level of investment sophistication or involvement.

  • A significant reduction in a plan trustee’s fiduciary exposure as it relates to the plans investment choices.

By providing the above services and by continually looking for new and improved tools for the benefit of our clients, we keep true to our mission statement  … “ to do all that is possible to help plan participants achieve a more successful retirement ”.