Shaffer Capital advises both individual and business clients in defining and pursuing their financial objectives and fiduciary responsibilities. Our individual clients include accomplished professionals, entrepreneurs, and business owners who want to provide for an enjoyable retirement while at the same time addressing and identifying their other financial goals. Each individual’s financial path is shaped by a wide variety of factors, including personal history, family structure and dynamics, career direction, attitudes about saving and spending, plans for the future, tolerance for financial risk, among others. Shaffer Capital’s business clients are concerned with addressing their personal liability and responsibilities as retirement plan sponsors while offering a retirement plan solution that meets the needs of their employees. Given the recent changes at the Department of Labor and Employee Retirement Income Security Act (ERISA), retirement plan sponsors are seeking ways to limit their personal liability by working with a 3(38) or 3(21) retirement plan fiduciary adviser. By working with a 3(38) or 3(21) plan fiduciary, you have the assurance that the adviser is required, by law, to put the best interest of the retirement plan participants first and is accountable to do so.