help text Millennium Investment and Retirement Advisors, LLC Millennium Investment and Retirement Advisors, LLC Since 1994, MillenniuM Investment and Retirement Advisors (MIRA) operates as a wholly unique fiduciary consulting firm. Informed by not only the letter, but also the spirit of ERISA, Department of Labor regulations and IRS rules, our mission is to offer Plan Sponsors the maximum level of fiduciary protection and guidance available. Our experience comes from not only a history of guiding plans of publicly traded corporations like Krispy Kreme, Wendy's and Papa John's, but also of building plans from the ground up and revamping plans to use IRS Permitted Disparity Rules to more effectively reward older, more senior staff. Our expertise has led plans through IRS Voluntary Correction Programs and saved plans from millions in excessive annual fees. Failure to act triggers ERISA liability. Due diligence, benchmarking and vendor searches often begin the relationship which continues even through plan conversions. Capable of solving major retirement plan headaches, our true value lies in the ability of steering plans away from the pitfalls that cause benefit programs to become corporate nightmares.MIRA can serve in virtually any fiduciary capacity. Plan Sponsors seeking the highest level of protection and labor reduction will be interested in our Full-Scope 3(21) or for those looking to outsource investment decisions and liability ask about our 3(38)/405(d)(1) service. By becoming the plans IRS Form 2848 Designated Representative, we help with Employee Plans Compliance Resolution System (EPCRS) issues & audits. Lastly, we avail ourselves to one-time or as-needed due diligence studies, fiduciary consulting and investment reviews. In other words, MIRA serves in the capacity that best suits your needs.Why trust us? As one of the first fee-only Registered Investment Advisory (RIA) firms in North Carolina, MIRA is entirely independent and unconflicted. For example, we refuse payments from mutual funds because conflicts like these can bring Prohibited Transaction excise taxes of 15% or more to Plan Sponsors. Furthermore, each of us, at some point, concluded that fiduciaries needed to know what the critical fine print in their broker/insurance agent/banker service contracts really said. With two IRS Enrolled Agents, two CFPs, two CPAs, a Qualified 401k Administrator (QKA), and an Accredited Investment Fiduciary Analyst (AIFA) we are confident that the diversity of our backgrounds, experience and designations.