What enhancements will I see with Cetera Retire?

Payroll Integration with 500+ payroll providers READYSAVE Mobile App Enhanced on-demand executive reviews Quarterly funds monitoring reports

Why is the recordkeeping system changing?

After completing comprehensive due diligence on several third party recordkeepers, Ascensus was selected for three primary reasons: Their extensive experience with similar partnerships. No proprietary investment requirements. No competing financial planning solutions for business owners and/or plan participants.

What is required of me?

You will be asked to eSign a Fidelity Transfer of Assets letter, which will be sent by Cetera. This will allow us to transfer your assets from Fidelity to Ascensus Trust Company. In a separate email, you will be asked to eSign a service agreement, trust and/or custodial agreement and plan document (if applicable) bundle, which will be prepopulated with your current pricing and plan provisions for ease of execution. Review the interactive videos on common topics such as payroll contributions that are located on your migration microsite as you get closer October 19. Additional training is available upon request, through your Cetera Relationship Manager.

What should I expect, in terms of experience and service, with Cetera Retire?

Cetera Retire was built to mirror the RPS program and experience with added capacity and scale. You will continue to work with your existing relationship management contacts. We will continue to provide 3(16) and administrative fiduciary support and 3(38) Investment Management. Our team will continue to be responsible for all plan design consulting as well as all year-end compliance work and 5500’s unless you are working with a third-party administrator. Ascensus will be providing back-office recordkeeping services, instead of Relius, the recordkeeping technology used by RPS today.

Will the RPS team change?

You will continue to work with your existing RPS Relationship Manager. There will also be a new Ascensus Client Account Manager assigned to assist with operational items (payroll setup and remittance transaction processing, website).

Will you still offer self-directed brokerage?

Yes, self-direct brokerage accounts are available. The accounts will be established with Schwab, instead of Fidelity, going forward. Existing self-directed brokerage accounts will be transferred in-kind to Schwab.

It’s official! Your retirement plan migration to the Ascensus recordkeeping platform is complete.

Go to https://secure.ascensus.com/login/firstcitizenswealth/sponsor and log in with the same username and password you’ve always used to access your plan.

How can we help you?

Frequently Asked Questions

Payroll Integration with 500+ payroll providers
READYSAVE Mobile App
Enhanced on-demand executive reviews
Quarterly funds monitoring reports

After completing comprehensive due diligence on several third party recordkeepers, Ascensus was selected for three primary reasons:

Their extensive experience with similar partnerships.
No proprietary investment requirements.
No competing financial planning solutions for business owners and/or plan participants.

Cetera Retire went live in February of 2025.

All customer service and call center team members are based in the U.S.

Available after migration, the READYSAVE mobile app offers a simple, streamlined, and supportive experience that is driven by data and backed by behavioral science to help participants make more informed decisions throughout their journey to retirement readiness. The app also has a Spanish language option. Participants will receive more information about downloading and using the app as soon as migration is complete.

You will be asked to eSign a Fidelity Transfer of Assets letter, which will be sent by Cetera. This will allow us to transfer your assets from Fidelity to Ascensus Trust Company.
In a separate email, you will be asked to eSign a service agreement, trust and/or custodial agreement and plan document (if applicable) bundle, which will be prepopulated with your current pricing and plan provisions for ease of execution.
Review the interactive videos on common topics such as payroll contributions that are located on your migration microsite as you get closer October 19. Additional training is available upon request, through your Cetera Relationship Manager.

Yes, you will receive a pre-populated service agreement, trust and/or custodial agreement and plan document (if applicable) bundle to execute. You will simply eSign the bundle and we will do all the heavy lifting behind the scenes.

The service agreement will be prepopulated with your existing pricing.
The plan document, if applicable, will be prepopulated with your plan provisions.

Yes, you will be restated on to the Ascensus plan document at no charge. Our team will continue to be responsible for all plan design consulting.

Yes, there will be a brief quiet period, known as a "blackout period", when some activities will be suspended to allow for the plan’s secure migration to the Ascensus recordkeeping platform. A blackout notice will be sent to ensure we have sufficient time to complete all necessary transfer of records and reconciliation of data. Specific dates and cut-off times for processing transactions will be shared well ahead of migration.

Yes, the week of October 19 plan sponsors and participants will establish new login credentials and begin viewing their accounts on the new Cetera Retire website. Participants will also be able to access their accounts via the READYSAVE mobile app.

Cetera Retire was built to mirror the RPS program and experience with added capacity and scale.
You will continue to work with your existing relationship management contacts.
We will continue to provide 3(16) and administrative fiduciary support and 3(38) Investment Management.
Our team will continue to be responsible for all plan design consulting as well as all year-end compliance work and 5500’s unless you are working with a third-party administrator.
Ascensus will be providing back-office recordkeeping services, instead of Relius, the recordkeeping technology used by RPS today.

You will continue to work with your existing RPS Relationship Manager.
There will also be a new Ascensus Client Account Manager assigned to assist with operational items (payroll setup and remittance transaction processing, website).

Yes, you will still receive an Annual Executive Review. There is no change to the services provided by your Relationship Manager.

Cetera will continue to act as the 3(38) Investment Manager over the core investment menu and models.

Yes, self-direct brokerage accounts are available. The accounts will be established with Schwab, instead of Fidelity, going forward.
Existing self-directed brokerage accounts will be transferred in-kind to Schwab.

Plan participants will have access to the Participant Service Center Monday-Friday 8am-8pm ET.

Yes, plan sponsors will remit their contributions via the Cetera Retire Plan Sponsor website. We will provide instructions on how to do so prior to the enhanced platform going live.

Cetera Retire offers payroll integration with more than 500 payroll companies. Once the enhanced platform goes live in October, you will have an opportunity to explore payroll integration based on your desire and availability.

No, there is no change to fees.

Last updated May 4, 2026

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