GPS Navigator (Turnkey)
A flexible PEP solution designed to support firm and advisor growth
PPP: GPS | Bundled Recordkeeper: July Business Services | 3(38) Investment Manager: Your Firm
Why GPS Navigator
For Advisory Firms
GPS Navigator is built for RIAs that want to grow their retirement plan business. Firms gain a scalable PEP solution where they act as the investment fiduciary while maintaining consistency, compliance, and operational discipline.
For Advisors
Advisors can engage GPS Navigator in the way that best aligns with their practice—whether they want to retain investment control or prefer to focus on client relationships and growth without assuming ERISA 3(38) responsibility
For Employers
Start-up and growing businesses benefit from a simplified, professionally managed retirement plan that reduces fiduciary burden, limits operational risk, and delivers a compliant, employee-ready solution—without sacrificing flexibility or advisor choice.
Key features
Flexible Investment Fiduciary Option
The unique “investment sleeve” approach offers an advisor- or firm-managed investment strategy, so firms can serve as the ERISA 3(38) investment fiduciary (subject to production standards) in a ready-to-deploy PEP framework. Managed models and self-directed brokerage accounts are also available, giving firms the choice to offer multiple avenues of investment solutions.
Independent Operational Fiduciary Oversight
GPS serves as the independent operational fiduciary, overseeing core plan compliance responsibilities and shifting significant fiduciary risk away from employers and advisors.
Why advisors and firms choose GPS Navigator
Preserves Advisor Choice and Autonomy
Advisors maintain control over how they participate—either as investment fiduciaries or by leveraging a managed investment solution—without being forced into a single model.
Reduces Risk Without Diluting Value
GPS’s role as independent operational fiduciary removes responsibilities from employers while keeping advisors central to the client relationship.
Supports Firm-Level Growth
GPS Navigator gives firms an institutional-grade PEP solution that’s easy to deploy, making it an ideal platform for expanding a retirement plan practice.
Competitively Priced at All Asset Levels (Including Start-Ups)
Attractive for firms that might otherwise turn away smaller opportunities, but also provides great value and experience for larger employers. Audit costs are built into the already-competitive pricing, so there’s no surprise audit cost for employers joining the PEP.
Delivers Employer Confidence
Advisors can offer employers a streamlined plan to employers backed by dedicated operational fiduciary professionals—and supported by JULY’s modern recordkeeping platform and award-winning service—strengthening trust and long-term relationships.