facebook twitter instagram linkedin google youtube vimeo tumblr yelp rss email podcast phone blog external search brokercheck brokercheck Play Pause

Helping YOU Change the Way Americans Save for Retirement

One Plan at a Time


Schedule a Meeting to Begin

Elderly couple on beach

A Retirement Plan Fiduciary


Whether you’re a plan sponsor, a broker/dealer or an advisor, we can help you manage and improve your retirement plan offerings. Or, in technical terms, we are an unaffiliated, ERISA-defined independent fiduciary to 401(k) and other defined contribution plans. 

What that means is this: we know ERISA, the Department of Labor and IRS regulations inside and out. That includes both the spirit and the letter of these rules. As an independent fiduciary, we can: 

  • Steer you away from pitfalls that don’t serve you or plan beneficiaries. 
  • Help you save on unnecessary fees.
  • Lead you through IRS or DoL investigations or corrections if those occur. 

With us on your side, you can count on lower fees and lower risk for both you and your participants.



Our Team: Unmatched Skill

You won’t find a team of professionals with such a diverse set of expertise anywhere else. Our knowledge spans:

Graph

Investments

Conversation

Compliance

Building

Legalities

Tax document

Tax Code Knowledge


We've used that expertise to create our PlanAnalyzer - a patented review process to help your retirement plan stay compliant.

We put our skill to work for you. As a fiduciary, you always come first. Whether you’re a business owner, HR rep, RIA or broker/dealer, we always start with your needs and the needs of the people you work with.

Take a Closer Look at Our Solutions

Discover More

Proudly Independent & Employee-Owned

Providing Unbiased, Fee-Only Consulting Services


Our Roots Have Helped Define What We Offer Today


MillenniuM Investment & Retirement Advisors, LLC was built by financial industry veterans. Our team saw firsthand how so many financial firms favored big business over personalized attention, and we wanted to do the opposite. That’s why we operate as a fiduciary and commit to provide you with:


Clipboard

A High Level of

Personalized Service

Messages

Completely

Unbiased Advice


File

Vigorous

Ongoing Monitoring

While Everyone’s Situation Is Different

These Are Our Core Principles


  • We consider ourselves fiduciaries to our clients and we will act only in their best interest.
  • A simple investment plan is better than a complicated investment plan.
  • Low fee investments are better for your portfolio’s health over the long-term than high fee investments.
  • Portfolio diversification is important and the specific asset mix within the portfolio is the primary controller of how well a portfolio performs.
  • With regard to managed investment products like mutual funds, we believe (and the research shows) that very few funds outperform the appropriate index over time.

Maintaining Creativity in Our Solutions

As an RIA, our team understands how the business used to work in terms of what we bring to the table currently. We’ve changed our outlook to focus more on participant outcomes in order to help protect employers. Our goal is to focus less on the products we recommend and more on the solutions you can take away from our partnership.

Get to Know the Team

Put Our Experience to Work for You

So you can meet your goals


Schedule Time to Meet

Rick Canipe Photo

Rick Canipe

EA, CFP©, QKA, M.B.A., Inventor
Read Bio

 Rick Canipe

Rick Canipe

EA, CFP©, QKA, M.B.A., Inventor


Mr. Canipe previously administered large plans such as Papa Johns, Wendy's International and Krispy Kreme.

He worked with Congressman Rob Andrews (D-NJ) on one of the original fee disclosure bills (HR 2869) – much of which was incorporated into the ERISA 408(b)(2) regulation.

Rick has spoken to numerous sponsors and professional organizations (PlanSponsor; Society of Human Resource Management) on managing fiduciary risk.

James Holland Photo

James Holland

Director of Business Development, M.B.A., Inventor
Read Bio

James Holland

James Holland, M.B.A., Inventor

Director of Business Development, M.B.A., Inventor


James Holland is the Director of Business Development & Assistant Compliance officer for Millennium Investment & Retirement Advisors LLC, a Pension & Fiduciary Consulting firm based in Charlotte, NC. He also oversees the joint work programs MIRA runs with ERISA Audit firms, Investment Advisors and Employee Benefit Brokers & Consultants. James brings with him over 20 years of experience in the Employee Benefits arena.

He graduated from Ohio Wesleyan University in 1990 with a BS in Economics Management.

James has spoken to SHRM Chapters in NY & NC, the American Society of Pension Professionals & Actuaries, the South Eastern Benefits Conference, CFDD & Vistage.

Will Branch Photo

Will Branch

AIFA™, Inventor
Read Bio

Will Branch

Will Branch

AIFA™, Inventor


Will began his 19 years in the financial industry servicing Defined Benefit Plans in Mellon Bank’s Trust & Investment Division. From there he relocated to Colorado to join Lipper, Inc. where, as a Senior Fiduciary Analyst, he provided competitive expense and performance analysis for mutual fund trustees and boards of directors. With a desire to serve individuals, he subsequently became a Financial Representative with Thrivent Financial for Lutherans in Virginia. Lastly, he was able to combine his retirement plan background, his research and analysis experience and his desire to serve individuals into one by becoming a member of Rick’s team at MillenniuM Investment & Retirement Advisors, LLC.

Will has earned the Accredited Investment Fiduciary Analyst (AIFA®) professional designation awarded by the Center for Fiduciary Studies and currently holds his Series 65 license.

Michael A. Edberg Photo

Michael A. Edberg

CFA®, AIF®
Read Bio

 Michael A. Edberg

Michael A. Edberg

CFA®, AIF®

michael.edberg@miracenter.com
301-951-0787


Mr. Edberg is a Portfolio Manager at Millennium Investment and retirement Advisors. Michael joined Millennium in August 2017 after two years at Plotkin Financial Advisors (PFA) where he developed their defined contribution plan advisory business. Prior to joining PFA, Mr. Edberg managed a multi-million-dollar family office for over ten years.

From December 2008-November 2013 Michael worked as the Managing Director, Investments at MicroVest Capital Management where he managed four funds and one investment vehicle; collectively over US$150 million in assets under management.

Prior to MicroVest Michael worked 13 years at the International Finance Corporation (IFC). At IFC Michael was responsible for developing new business leads, identifying and researching investment opportunities in the banking sector worldwide, leading investment due diligence teams, performing credit risk and equity valuations, and leading investment negotiations.

Michael holds a Bachelor’s degree in Government and International Relations from Clark University in Worcester, Massachusetts and a Master’s of Business Administration degree in International Business - Finance and Marketing from The George Washington University in Washington, D.C. He is also Chartered Financial Analyst® (CFA®) and an Accredited Investment Advisor (AIF®).

Michael and his wife Laurie have two children.The oldest is a student at Tulane University in New Orleans, Louisiana, and the youngest attends The Field School in Washington, DC. Michael and his family live near downtown Bethesda, Maryland. They are huge Washington Nationals fans and attend up to 20 games a year.

Gary Berdoff Photo

Gary Berdoff

I.A.R.
Read Bio

 Gary Berdoff

Gary Berdoff

I.A.R.

Gary brings more than 30 years of experience in the investment and insurance industry including 28 years in the retirement plan marketplace. He partnered with MillenniuM Investment & Retirement Advisors LLC, a Pension & Fiduciary Consulting firm in 2014. He provides his experience in guiding investment advisors to find investment solutions for their retirement plan clients.

He lives in East Brunswick, NJ with his wife of 32 years and their three children. Gary has always been very active within the East Brunswick community serving on various boards and was awarded the East Brunswick Township Friends of Recreation, Parks and Community Services Individual Award for 2014, honoring his dedication to the Youth Sports Program and outstanding service to his community. Unfortunately, he’s a lifelong Jets, Mets and Knicks fan.

Gregory D. Blalock Photo

Gregory D. Blalock

CPA
Read Bio

Gregory D. Blalock

Gregory D. Blalock

CPA

Greg is a Certified Public Accountant, licensed in North Carolina and joined MillenniuM in 2009 as a representative. Greg has over 40 years of experience, having worked in both public accounting and industry. In addition to accounting and tax experience, Greg brings direct experience in plan administration and plan correction programs, and has assisted with MillenniuM client engagements to resolve issues with the IRS and DOL.

Greg holds a B.S. in Business Administration (Accounting concentration) from UNC-Chapel Hill and resides in North Carolina.

Lane Hancock Photo

Lane Hancock

Business Coordinator
Read Bio

Lane Hancock

Lane Hancock

Business Coordinator


Lane Hancock is the Business Coordinator for MillenniuM Investment & Retirement Advisors LLC, a Pension & Fiduciary Consulting firm based in Charlotte, NC. She graduated from the University of North Carolina Greensboro with a BS in Business Administration and Finance.

Lane has been with Millennium since 1995. She has worked in the Pension world since graduating from UNCG in 1985.

Jill Zeleznik Photo

Jill Zeleznik

Client Relationship Manager
Read Bio

Jill Zeleznik

Jill Zeleznik

Client Relationship Manager


Jill Zeleznik is the Client Relationship Manager for Millennium Investment & Retirement Advisors LLC, a Pension & Fiduciary Consulting firm based in Charlotte NC. She graduated from The University of North Carolina at Wilmington with a BS in Business Administration, Concentration in Marketing.

Jill joined the team in 2014. Having worked for a Third Party Administrator, Jill has experience in client relationship management in the retirement plan industry.

Debbie Falko Photo

Debbie Falko

Client Services Representative
Read Bio

 Debbie Falko

Debbie Falko

Client Services Representative

Debbie majored in English at Ohio University in Athens, Ohio and joined the Millennium team in 2016. She previously worked for a Recordkeeper in Business Development and prior to that worked in Sales and Marketing at a software development company.

You Need an Industry Professional

You Can Count On


Let Us Work With You

To Provide the Best Options for Your Business


Anyone who has set up or managed a defined contribution plan knows the details are expansive. You’re likely to encounter fine print from more than one federal agency as you navigate the equally complex process of selecting investments and administering the plan.

We can help. We work strategically to help you provide the best options for your employees and/or your clients, and we educate you about the process along the way.

If you are a…


Business Owner & Plan Sponsor

Take fiduciary work off of your plate and limit your liability under ERISA. We put our years of expertise in legal and tax codes, regulations and investing to work for you and your plan’s participants.

Learn More

ERISA
Auditor

Our ERISA due diligence review is led by IRS Enrolled Agents and CPAs. The system they created — known as the P3 program (Pay, Performance and Parity) — ensures your clients’ plans remain fully ERISA compliant.

Learn More

Broker &
Advisor

As a fiduciary consulting firm, we help you build and administer compliant retirement plans so you can smartly grow your retirement business.

Learn More


Patented Tools

Designed With You in Mind


In order to further enhance our services, we’ve developed the PlanAnalyzer - a tool that properly evaluates your performance and that of your retirement plan. Learn more about its capabilities.


Committed to Helping You Improve Your Long-Term Success

The key to our relationship begins with getting to know you and the goals you have in mind for yourself and your business. We want to ensure that we match you with the right solutions while making sure that everything remains compliant. In order to do so, you’ll meet with our team to develop a deeper understanding of how we can design a solution just for you.

Schedule a Conversation Today

MillenniuM Investment & Retirement Advisors, LLC

PlanAnalyzer


Take an In-Depth Look

At Your Retirement Plan’s Performance


Similar to an annual physical you’d receive from your doctor, our PlanAnalyzer is an investment evaluation tool that takes a deep dive into the performance of your retirement plan. By evaluating the effectiveness of investment committees, investment advisors and the prudence of plan investments relative to IRS and DOL rules, trust law, etc. we’re able to further assist you in building a successful retirement for you and your employees.



There are many benchmarking and plan review tools available in the marketplace, but most are simply an x-ray or MRI of an isolated area of a plan. PlanAnalyzer, however, is a full-body scan that roots out the problems that cause plan fiduciaries to find themselves in the crosshairs of litigators and regulators.

-James Holland
Director of Business Development

Business meeting

What Can PlanAnalyzer Do for You?

This tool can assess whether your investments add value based on key performance indicators in the past 6-year statute of limitations period. We believe this timeframe is a good indicator of changes in the market and how your portfolio will continue to react based on past performance.

Learn More

Given the sharp increase in retirement plan litigation and Labor Department investigations, business owners and other plan fiduciaries now have an independent assessment tool that checks:

  • The prudence of their investments
  • The quality of their investment provider
  • Any potential liability if they fail to act in removing underperforming funds

We Credit Our Clients

For Envisioning This Path


The individuals we work with continually challenge us as a firm and as a team. Their tough questions encourage us to prove our assertions are grounded in regulations. For years, we’ve searched for a tool to help us work seamlessly with our clients and better address their concerns but finding none, we set out to develop one. PlanAnalyzer further empowers us to remain diligent fiduciaries and always serve our clients to the best of our ability.

Discover How PlanAnalyzer Can Help

Schedule Time to Talk

Ready to Get Started?

Proudly Serving Clients Nationwide


Let’s Get Started


With looming questions regarding your retirement plan, there’s no better time to begin than now. Give us a call, schedule a meeting or use the submission form below to contact us.


LOCATION

MillenniuM Investment & Retirement Advisors, LLC
3540 Toringdon Way
Suite 200
Charlotte, NC 28277

CONTACT

Phone: (704) 743-3226
Fax: (866) 239-6412