Spherient Advisors provides retirement plan advisory, employee benefits consulting, and insurance guidance for employers and individuals in Richmond, Virginia.
Based in Richmond, serving the Mid-Atlantic region and clients nationwide.
Advisory Services for Richmond Employers and Families
Organizations and individuals in Richmond rely on structured guidance when making decisions around retirement plans, employee benefits, and insurance coverage.
From fiduciary oversight and retirement plan governance to group medical strategy and risk management, our role is to help clients make informed decisions with clarity, discipline, and long-term perspective.
Retirement Plan Advisor & Benefits Consultant in Richmond, VA
Spherient Advisors is headquartered at 6802 Paragon Place, STE 126, Richmond, VA 23230. From Richmond, we serve plan sponsors, employers, business owners, and families across the metro area and nationally — providing retirement plan advisory, employee benefits consulting, and commercial and personal insurance through one coordinated firm.
Richmond employers trust Spherient Advisors for ERISA fiduciary oversight, documented plan governance, group benefits strategy, and commercial risk management — with direct access to principals who carry more than 100 combined years of advisory experience. Individuals and families work with Spherient Insurance for home, auto, and umbrella coverage with independent carrier comparisons.
Our Advisory Services in Richmond, VA
We provide fiduciary guidance, plan design strategy, and ongoing governance support for 401(k), 403(b), defined benefit, and cash balance plans. Our approach emphasizes structured oversight, documented decision-making, and long-term accountability.
We help employers evaluate group medical strategy, funding models, compliance requirements, and cost management approaches. Our work is focused on improving plan performance while supporting employee understanding and engagement.
We work with business owners to structure coverage, evaluate risk exposure, and provide ongoing claims support. Our advisory approach focuses on aligning insurance coverage with operational realities and long-term risk management.
We help individuals and families secure home, auto, umbrella, and life insurance coverage through a structured, independent-agent approach. We compare multiple carriers and provide clear guidance tailored to your needs.
Serving Richmond and Surrounding Communities
Located at 6802 Paragon Place in Richmond, we work with organizations and individuals throughout the surrounding areas, including Henrico County, Glen Allen, Short Pump, and Chesterfield County.
Our local presence allows for direct access, consistent communication, and a better understanding of the regional business and insurance landscape.
Why Work With Spherient Advisors
Choosing an advisor is not just about services—it is about how decisions are made and supported over time.
We take an advisory-first approach, focused on structure, clarity, and long-term outcomes rather than transactional solutions.
Advisory-First Approach
We provide guidance before implementation, helping clients evaluate options and understand tradeoffs before decisions are made.
Structured Decision-Making
Our process is built around analysis, documentation, and repeatable governance—not one-time recommendations.
Local Access, Direct Support
Clients work directly with experienced advisors, with consistent points of contact and no call center model.
Integrated Service Approach
Retirement plans, employee benefits, and insurance strategies are evaluated together to ensure alignment and efficiency.
Focus on Long-Term Outcomes
Our work is designed to support ongoing performance, cost discipline, and sustainable strategies over time.
Who We Work With
We work with a range of clients across Richmond and the surrounding areas, including:
Employer Plan Sponsors
HR and Finance Leaders
Business Owners and Operators
Individuals and Families
Frequently Asked Questions
Do you serve employers and individuals in Chesterfield County, VA?
Yes. Spherient Advisors and Spherient Insurance serve Chesterfield County employers, businesses, and families, including clients in Midlothian and Chester. Services include retirement plan advisory, employee benefits consulting, commercial insurance, and personal insurance.
What retirement plan advisory services do you offer in Henrico County?
We provide 401(k), 403(b), 457, and defined benefit plan advisory for Henrico County plan sponsors, including ERISA compliance alignment, fiduciary oversight (3(38) and 3(21)), investment monitoring, and documented governance processes. We also serve Glen Allen, Short Pump, and Innsbrook-area employers.
Can Spherient help with employee benefits compliance for a Hanover County employer?
Yes. We provide benefits compliance consulting covering ERISA health plan requirements, ACA employer mandate guidance, COBRA administration oversight, and renewal planning for Hanover County employers, including those in Mechanicsville and Ashland.
Do you offer commercial insurance advisory for Powhatan County businesses?
Yes. Through Spherient Insurance and our commercial advisory practice, we provide business insurance policy review, coverage analysis, risk management consulting, and claims advocacy for Powhatan County business owners.
Where is Spherient Advisors located?
Spherient Advisors and Spherient Insurance are both located at 6802 Paragon Place, STE 126, Richmond, VA 23230. Advisors line: 804-457-2309. Insurance line: 804-737-2900.
What is the difference between Spherient Advisors and Spherient Insurance?
Spherient Advisors handles retirement plan advisory and employee benefits consulting — disciplines that carry ERISA fiduciary and compliance responsibilities. Spherient Insurance handles commercial and personal insurance brokerage and advisory. Both operate under one coordinated firm at the same Richmond, VA address.
What is a 3(38) fiduciary, and do you provide that service?
A 3(38) fiduciary is a named investment manager who assumes full discretionary authority over a retirement plan's investment selections, relieving the plan sponsor of that fiduciary liability. Spherient Advisors provides 3(38) and 3(21) fiduciary advisory services to plan sponsors across the Richmond metro area.
Do you offer personal insurance in Richmond and the surrounding counties?
Yes. Through Spherient Insurance, we provide home insurance, auto insurance, and umbrella coverage for individuals and families in Richmond, Henrico County, Chesterfield County, Hanover County, and Powhatan County, VA. We offer independent carrier comparisons and streamlined quote support.
Serving Richmond, Henrico, Chesterfield, Hanover & Powhatan
Whether you are reviewing fiduciary oversight, evaluating your benefits structure, or reassessing your insurance coverage, Spherient is ready to help.
Spherient Advisors – Richmond, VA
6802 Paragon Place, Suite 126
Richmond, Virginia 23230
Advisors: 804-457-2309
Insurance: 804-737-2900
