Established 1997. Independent Ever Since.
Built on Trust.
Proven for Nearly
30 Years.
RMS isn't a bundled provider or a national call center. We're an independent, fee-based retirement plan consulting firm with a singular focus: making retirement plans work better for the businesses and people they serve.
Who We Are
Retirement Plans, Done Right.
RMS was built on a simple belief: plan sponsors deserve a partner who understands their business, their goals, and their people, not just their plan documents.
For nearly 30 years, we’ve provided retirement plan design, administration, and consulting with an independent, personalized approach. Our clients range from one-participant plans to organizations with thousands of employees, and while many are located in Kentucky and Southern Indiana, we serve plan sponsors across the country.
We work alongside your financial advisor, CPA, recordkeeper, and other professional partners, giving you the flexibility to choose the providers and investments that best fit your needs.
Ranked #1 in Customer Service
By employers in a national survey of Third Party Administrators
— The Gregory Group
-
Every Plan Type
401(k), profit sharing, cash balance, prevailing wage, and ESOPs, all under one roof.
-
Custom Plan Design
Plans built around your goals, whether that's attracting talent, sharing profits, or building owner wealth.
-
A Dedicated Team
An Account Executive and Plan Specialist who know your plan inside and out.
-
Proactive Compliance
We keep you informed of exactly what you need to do to stay in compliance, before deadlines hit.
Our History
A Legacy Built Milestone by Milestone
From an accounting firm subsidiary to a fully independent, nationally recognized firm. Here's how we got here.
-
1997
Founded in Louisville
Retirement Management Services is established as a subsidiary of Deming, Malone, Livesay & Ostroff (DMLO), a Louisville, KY accounting firm.
Founding Year -
2002
New Partner
As the world of corporate and retirement plan audits changes, RMS separates from DMLO to maintain the highest standard of independence. In October, Amber Lloyd becomes a partner and, together with Chuck Lynch, purchases DMLO's interest in the firm.
Independence -
2012
New Leadership, New Home
Amber takes over as Managing Partner, and in June RMS moves into its current building.
Growth -
2013
National Recognition for Service
For the second consecutive year, RMS receives the #1 rating for TPA services in a nationwide survey of plan sponsors conducted by The Gregory Group.
Recognition -
2014
Fully Independent. Woman-Owned.
Chuck retires and Amber becomes sole owner. RMS continues as an independent, fee-based firm serving plan sponsors nationwide.
A New Era -
2017
A Voice in the Industry
Amber Lloyd is interviewed by Leader's Edge about the opportunities and challenges facing advisors specializing in retirement planning.
Leadership -
2021
Sharing Our Expertise
RMS's marketing and plan specialist Leisha is featured in Plan Sponsor Magazine, sharing insights on avoiding retirement plan operational errors.
Expertise -
2025
Still Family Owned
Multiple acquisition offers declined. RMS remains 100% employee and family-owned — ensuring our loyalty stays with clients, not investors.
Legacy
Why RMS
What Makes Us Different
Independence matters. So does experience. We bring both to a partnership built around knowing your plan, understanding your goals, and staying involved as your needs change.
-
Truly Independent
We're completely independent of any other retirement advisor or investment firm you use. Our recommendations serve your plan, and nothing else.
-
Transparent Fees
Our fees are fully explained before the engagement begins and itemized on every invoice. No surprises, ever.
-
Revenue Sharing, Returned
When we receive revenue sharing credits from an investment firm, we credit the full amount back to you as an offset against our fees.
-
Experience That Shows
Our Account Executives average 20 years of retirement plan administration experience, backed by continual training on legislative and regulatory change.
-
Any Size, Any Industry
From one-participant plans to companies with over 50,000 employees, our staff has the expertise to understand the unique needs of your business.
-
Secure by Design
All plan data is stored in a secure electronic format, and sensitive data moves between our firm and yours through secure file transmission.
By the Numbers
Proof in Performance
We measure success the same way our clients do: service, accuracy, and results.
-
#1
Customer Service Ranking
National survey of employers rating their TPAs
-
20+
Years Average Experience
Across our Account Executive team
-
50,000+
Employees at Our Largest Client
Plans start at just one participant
-
1997
Year Established
Independent and fee-based ever since
-
We love working with RMS. They are always professional, nice, patient. Just good people to work with.
-
I know they have my company's best interest at the heart of what they do and advise. Priceless!!
-
RMS is more like a business partner than a vendor.
Leadership
A team of experienced professionals who believe great retirement plan service starts with great relationships.
Owner-operators and industry specialists who've built their careers in risk — not rotated through it.
-
Becky joined RMS as an Account Executive in January, 2024. She is a member of the Louisville Employee Benefits Council,...
-
Austin joined RMS in December 2025 as a Plan Specialist. He graduated from Indiana University Southeast with a Bachelor’s in...
Our Process
How We Work With You
-
01
Discovery Consultation
Understanding your needs and objectives.
-
02
Plan Design & Strategy
Tailored solutions for your business.
-
03
Implementation
Seamless plan setup and launch.
-
04
Compliance & Administration
Ongoing regulatory compliance.
-
05
Ongoing Support
Continuous service and optimization.
Qualified to Serve You
Our team holds the retirement industry's most respected designations, and our administrators receive continual in-house and off-site training to stay ahead of legislative and regulatory change.
- QKA
- QPA
- QKC
- ERPA
- CEBS
- APA
- CFP®️
25
Credentialed Advisors on Staff
87% hold advanced designations (vs. 34% industry avg.)
Get Started
Your Retirement Plan Deserves More Than a One-Size-Fits-All Approach.
RMS combines retirement plan expertise, personalized service, and an independent approach to help plan sponsors meet their goals. From plan design and administration to ongoing consulting, we're here to make the complex simple.
- Independent & Fee-Based
- Personalized Service
- Credentialed Team
- Customized Plan Solutions