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American Pension and Retirement Services' corporate mission is to assist clients in all aspects of accumulating, preserving, enjoying, and distributing wealth to achieve financial peace of mind. With over 20 years of experience, American Pension and Retirement Services are one of the largest pension/retirement-focused firms in the country headquartered in St. Louis, Missouri with offices across the United States. We possess the requisite skills and knowledge to uncover embedded fees, conflicts of interest, how to market loss affects accounts, and contract limitations inherent in retirement plans. Our key strength lies in our knowledge of the industry, its ever-changing legislation, who the strongest vendors are to better our clients' retirement positions. Experience allows us to seek out the best investment fund line-ups, negotiate the best pricing for our clients, as well as provide a comprehensive, pro-active service model that keys in on the needs of each client.


Clients are our focus. We are dedicated to our client's success and define our own success in terms of their success. We will strive to understand their needs and to meet or exceed their expectations by delivering practical advice, effective implementation, well-designed investments, and always providing outstanding value. We will continuously renew our resources to ensure we bring our clients the most up–to–date methodologies and know-how.

Teamwork is essential. We work together in planning, setting standards, and continuously improving and delivering quality service. We work together as teams – locally, regionally, and nationally to best serve our clients.

Core Values allow us to conduct our business affairs with uncompromising honesty and integrity. We will treat everyone with respect and dignity. We will work to comply with all applicable laws and regulations. We will seek opportunities to contribute to our community.


The anchor of the new Code and Standards – is the obligation to act as fiduciary acting in the best interests of the Client at all times when providing Financial Advice.


The Pension Industry is changing for the better. The DOL and IRS have joined forces to rid the industry of confusing fees, inexperienced advisors providing key retirement services with no personal responsibility, and decisions made that are not in the best interest of the participants. Pension Advisors has always operated as an advocate for the Plan and Plan Participants with a proactive business model striving to protect and guide the trustees, while simultaneously reaching out and engaging plan participants to save more and invest more wisely.
ERISA section 3(21) fiduciary is an Advisor who renders investment advice for a fee with respect to any monies, investments, or other property of a plan or has responsibility to do so. A 3(21) Advisor serves in a co-fiduciary capacity sharing fiduciary responsibility and liability with other plan fiduciaries
ERISA section 3(38) Advisors are investment managers and fiduciaries to the Plan (or investments they are managing).  A 3(38) fiduciary provides investment advisory services to the Plan, or its participants, on a discretionary basis. 

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