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Build a bright financial
future for your team

The retirement plan solution designed exclusively for ACEC members



Financial health

It starts now. Regardless of age. Give your people a way to get financially healthy today and save for the future with a 401(k) program commissioned by engineers for engineers. The ACEC Retirement Trust and our expert advisors handle the complexity, you deliver robust and relevant benefits at a competitive cost.

Member Firms

A turnkey retirement plan solution just for ACEC member firms, with advantages you couldn’t get as an individual firm

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Participants (employees)

Start managing your financial health and building future wealth today.

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Today, offering a retirement plan can be a complex and risky proposition


Your risk exposure has escalated exponentially. Fiduciary liability. Regulatory uncertainty and change. Lawsuits against firms of all sizes. It’s scary out there.


Setting up a plan yourself means finding and overseeing a recordkeeper, ERISA lawyer, investment advisor and more, requiring areas of expertise that aren’t in your wheelhouse.


When you purchase a retirement plan on your own, there are no economies of scale. You may end up paying higher fees for every component of a plan, delivering less value.


Regulations. Administrative detail. HR questions. Every minute spent dealing with your retirement plan takes resources away from your core business: engineering.

We handle the complexity so you can focus on your business

Outsource it all to us. Offer a world class, industry-leading retirement plan for your team without dealing with the complexities. Enhanced fiduciary protection. Regulatory compliance. Investment analysis and monitoring. The ACEC Retirement Trust takes care of everything so that you can focus on what you do best: engineering.

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Enormous buying power and
3 industry-leading advisory firms

A benefit of ACEC membership, this plan aggregates group purchasing power to command a level of expertise, quality and cost savings you normally could not get on your own. The ACEC RT has brought together three premier advisory firms to construct and operate the plan. Attract and retain the best talent by offering the caliber of benefit enjoyed by employees of the world’s largest firms.

CAPTRUST: Investment consultant. Nation’s largest independent RIA.
Independent review of investment options, advises Trustees, investment reports, financial advisor for each participant at no extra cost

EMPOWER: Recordkeeping consultant. Top recordkeeper in U.S.
Recordkeeping, education for participants and plan sponsors, intuitive website, advanced cybersecurity. Concierge service for your Plan

McDermott, Will & Emery: Legal consultant. Top ERISA law firm.
Legal oversight for ERISA compliance, fiduciary training for Trustees and plan sponsors, legislative & regulatory updates

What our members say about the ACEC Retirement Trust

Click on a dot to see the next three testimonials

Every quarter we spotlight a member firm, a consultant or a trustee; and/or welcome a new member firm.


How would you answer these key questions?

If you’re not a member of ACEC RT, these one-minute videos raise important questions to ask about your current 401(k) plan.

Everyone gets a
personal financial advisor
with our 401(k) program.
At no extra cost

A unique benefit, part of our low fee

All participants, from top execs to EITs to Admin, now have access to a top-tier advisor from CAPTRUST, the premier firm that is the Trust’s own financial advisory partner. This unique benefit, part of our low fee, is another reason to join ACEC RT.



The new participant experience:
An app for your financial life

Introducing the app for your total financial life present and future, updated, from your ACEC Retirement Trust’s recordkeeping partner Empower. Know where you are compared to where you want to be in an interactive dashboard that pulls it all together. Your savings. Spending. Assets. Debts. Take the fast track to financial fitness.


MAY 2023

An update on ACEC Retirement Trust advantages

Deb Stevens, the new Executive Director of the ACEC Retirement Trust, gives a fresh perspective on the unique advantages of the ACEC Retirement Trust and why she ranks it #1 among all the 401(k) programs she’s seen in her 32-year career in the field. An exclusive for ACEC members, this program delivers benefits that help engineering firms attract and retain top talent in today’s market.

Listen         Listen to previous podcasts

If you’d like to join ACEC RT

Click here

Or, call Lydia Zabrycki at (559) 284.0370