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Who We Are

Our partners have spent the entirety of their professional careers in the small business retirement plan space.

As small business owners, we understand the personal commitment and loyal dedication it takes to start, build, and operate a successful company.

Thereby, we sympathize with your experience; we respect the time and the assets our Client's have entrusted to us. We strive to earn your trust and gain your business!

Meet Our Team



Mark has worked on virtually all sides of the U.S. defined contribution retirement plan business, over the past thirty years. Most recently he co‐founded Fiduciary Holdings Limited, which provides investment consulting and advisory services to Profit Sharing/401(k) plans as a Fiduciary Adviser. Between 2014 – 2021, he was named to the prestigious “Top 100” list of U.S. Retirement Plan Advisers by Plan Adviser magazine four times. Prior to that, Mr. Gutrich had co‐founded an award‐winning cloud-based 401(k) recordkeeper and third‐party administrator (ePlan Services) that he successfully operated until it was acquired by Paychex in 2011. Mr. Gutrich has been a vanguard in the U.S. retirement plan space for decades and has consistently developed innovative solutions to make 401(k) plans more accessible to small businesses. Mr. Gutrich graduated from the University of Puget Sound and resides in Denver, Colorado.



Chris has spent the past twenty years in the financial services industry, the majority of which has been leading high performing teams in the retirement services space. Most recently he co-led the Revenue team for a San Francisco-based fintech start-up, where he played an instrumental role in creating capacity for scale. During his tenure, he successfully led the build out of a national distribution model in the payroll and human capital management marketplace. Prior to that, Mr. Money had been in an executive leadership role at Paychex – where he was consistently recognized for being a top producer and rose through the ranks to become a senior leader - overseeing a 100+ employee sales organization. Over his career, his teams have been responsible for the creation of more than 25,000 small business 401(k) plans. Mr. Money graduated from Texas A&M University and resides in Houston, Texas.


Sales Director – Northern California

Jeff spent the past thirteen years at Paychex Retirement Services, splitting his time between Maine and Colorado. Over his career, Mr. Marinelli has distinguished himself as a top-producing 401(k) sales professional and became the first 401(k) representative in Maine to earn Conference recognition. His demonstrated consistency earned him Circle/President's Club recognition 8 times and he became a member of the National Representative Council to mentor/train new sales personnel. Mr. Marinelli graduated from the University of Southern Maine.

Retirement Plan Basics

All qualified retirement plans consist of the same core components, which are required for every workplace retirement savings plan to operate.  It requires an employer to sponsor the Plan (Plan Sponsor), a trust company to hold the Plan assets (Custodian) and somebody to provide the basic accounting around the Plan (Recordkeeper & TPA).  But, in essence, all these parties must coordinate their efforts to enable employers to have transparency into the Plan and allow employees to interact with their individual accounts.

Nevertheless, the roles and responsibilities of these required players are very different:


fiduciary responsibility

Our Points of Differentiation


Establish your new 401(k) online in a matter of minutes - not weeks, then your employees enroll themselves online and your workplace retirement savings plan is retirement ready!


Our Software as a Service (SaaS) platform streamlines the inner workings of the modern Profit Sharing/401(k) Plan for both the business owner(s) and their employees.


Our evolved technology platform can integrate with any payroll services provider or HCM platform in the marketplace, to ensure your data records remain synchronized.


By leveraging technology to streamline and automate routine processes, we have created operational efficiencies that deliver cost savings which we pass along to our clients.

© 2023 Prosper Retirement Partners, LLC
Principal Offices: California, Texas and New York