With more than a quarter-century of practical experience, Peter Gulia counsels the people who manage retirement plans. Also, Peter offers advice about employers’ and executives’ smart use of plan designs permitted under § 125, § 401(k), § 403(b), § 409A, and § 457(b)or(f). Beyond on advising a retirement plan’s lead fiduciary, Peter also counsels investment advisers about their fiduciary duties and compliance procedures under the Investment Advisers Act, the Employee Retirement Income Security Act, and other laws. Peter advises lawyers, actuaries, and certified public accountants about their professional conduct. Unlike many professionals who give advice but leave the hard decisions to their clients, Peter can serve as an employee-benefit plan’s independent fiduciary. Peter can serve as a consulting expert, or as a testifying expert witness, concerning how retirement plan fiduciaries’ conduct met or breached their duties and standard of care. Currently, Peter serves as an expert concerning a set of court proceedings about allegations that several fiduciary service providers engaged in self-dealing transactions. As more defined-contribution retirement plan fiduciaries begin to understand their duties to manage a plan’s expenses, Peter designs ways to simplify and reduce expenses while maintaining or increasing services. Some clients can engage Peter under a results-only success fee to negotiate service providers’ fees.