About Us
Retirement Plan Consulting and Education for Plan Sponsors and Participants
Optimize Your Retirement Plan
We are a full-service retirement plan consulting firm. Our critical mission: to help Plan Sponsors design and manage cost-effective 401(k) and 403(b) retirement plans where employees can save and invest wisely to meet their retirement goals, and to provide fiduciary oversight for Plan Sponsors.
Ensure Retirement Readiness for your Employees.
Through our focus on participant-driven outcomes, education, and communication to support them, we can assist you in supporting your employees in their quest to achieve a financially successful retirement.
Discover Options and Maximize Choices for your Plan.
We provide comprehensive benchmarking for plan sponsors combined with top-notch participant experience and education. We have a unique unbiased methodology for selecting and monitoring investment options.
Build a Strong Partnership
We build strong long-term partnerships with our clients by creating an atmosphere of transparency and trust. The cornerstone of our success is a focus on providing outstanding client service and creative plan solutions.
Our Solutions
Participant Education/ Employee Financial Wellness
Improve retirement readiness through group and individual meetings to provide personal education and advice. Our financial wellness tools engage, empower and educate participants.
Fee Benchmarking
We help you navigate through the convoluted world of retirement plan fees so that your plan has a straightforward, transparent, competitive fee structure.
Fiduciary Coverage
Our fiduciary governance program is designed by ERISA attorneys to help busy fiduciaries leave a well-documented trail of prudent decision-making.
Plan Design
Optimize plan features to meet your specific goals and objectives within your budget and desired contribution level.
Investment advisory services offered through Alera Investment Advisors, LLC and Trinity Investment Advisors, LLC.
Information provided by Alera Group should not be considered tax or legal advice. Should you require tax or legal information, please consult your tax advisor or attorney.
Meet Our Team
Michael McCabe, AIF®, CPFA®
Senior Partner
Michael is a Senior Partner at Alera Group, joining them in 2025 as the founder and President of Trinity Investment Advisors, an independent consulting firm dedicated to serving Retirement Plan Sponsors and Investment Committees. Before establishing Trinity Advisors Group, Michael worked as an investment fiduciary with a regional consulting and recordkeeping firm, where he served hundreds of plans and thousands of participants.
Michael holds the designations of Accredited Investment Fiduciary® and Certified Plan Fiduciary Advisor®. His background has led him to engage with top congressional leaders on the importance and future of the nation's workplace retirement plans.
With over twenty-five years of experience, Michael is an advisor on plan investments, a sought-after speaker at industry conferences, and a frequent participant in advisor panels, including the NAPA 401(k) Summit. He is an active member of the National Association of Plan Advisors (NAPA).
Michael earned his B.S. from Villanova University’s School of Business (VSB) and continues to contribute to his alma mater as a member of the Board for the VSB Mentor Program. He also serves on the Advisory Board of YMCA of Greater Brandywine. Michael enjoys golf, personal fitness, watching college sports, and traveling with his family.
Investment advisory services offered through Alera Investment Advisors, LLC and Trinity Investment Advisors, LLC.
Carmela Elco, AIF®, CBFA®
Principal
Carmela Elco is a Principal at Alera Group's West Chester office, where she works closely with plan sponsors to navigate evolving regulations and design retirement plans that are both effective and competitive. With a strong foundation in human resources and investment analytics, Carmela brings a holistic approach to retirement plan consulting.
Before joining Trinity Advisors Group, an Alera Group Company, Carmela served as a Principal at Cerity Partners, guiding clients through complex retirement plan mergers, developing responsible defined benefit replacement strategies, and overseeing investment monitoring efforts. She began her career at RESOURCES for Retirement, where she progressed from Vice President of Client Services—overseeing investment advisory operations—to President, always driven by a commitment to exceptional client service.
Carmela holds a Master of Arts in Human Resources Management from St. Francis University and a Bachelor of Science from the University of Pittsburgh. She is an Accredited Investment Fiduciary (AIF®), and a Certified Behavioral Finance Analyst (CBFA).Outside of work, Carmela and her husband Dave enjoy biking through Fairmount Park and spending time with their dog, Fritz.
Investment advisory services offered through Alera Investment Advisors, LLC and Trinity Investment Advisors, LLC.
Tracey Kirby, CPC, CPFA®
Client Service Manager
Tracey has over twenty-five years of experience in the retirement plans industry, specializing in working with plan sponsors to design and manage their company plans. Prior to joining Trinity Advisors Group, she honed her skills at The Standard, Core States Bank and Vanguard.
Tracey holds industry certifications, including the Certified Pension Consultant (CPC) and Certified Plan Fiduciary Advisor (CPFA) designations from the American Society of Pension Professionals and Actuaries (ASPPA). Additionally, she holds a FINRA Series 65 license. Tracey earned a B.A. in Math/Computer Science and Psychology from Sweet Briar College.
Her extensive knowledge and credentials make her an invaluable asset to our team and clients. Outside of work, Tracey enjoys riding horses and sailing, and attending Philadelphia Flyers’ games.
Investment advisory services offered through Alera Investment Advisors, LLC and Trinity Investment Advisors, LLC.
Resources
Client Portal
Our Partners
Trinity Advisors Group partners with organizations that have specialized resources to reinforce our expertise.
NAPA
The National Association of Plan Advisors, an affiliate organization of the American Retirement Association, was created by and for retirement plan advisors. NAPA is the only advocacy group exclusively focused on the issues that matter to retirement plan advisors.
Retirement Plan Advisory Group
A professional alliance enhancing our ability to serve our clients via a suite of powerful tools and other products. Trinity is a proud member of the RPAG network.
American Society of Pension Professionals & Actuaries (ASPPA)
Members are part of the diversified, technical, and highly regulated benefits industry. ASPPA represents the most committed individuals of the profession — those who have made a career of retirement plan and pension policy work.
Plan Sponsor Council of America (PSCA)
An unbiased source of industry information, education programs, and regulatory updates that assists Trinity with plan design, administrative, investment, compliance, and communication resources.
Fiduciary Benchmarks
Offering benchmarking of fees, services and investments to help plan sponsors meet their fiduciary obligations to ensure competitiveness within the marketplace.
EXPERT EDUCATION
Events and Webinars
Property and Casualty
Unlocking Our 2026 P&C Market Outlook: High Level & Field Level Insights for Clients
Join EVP and Property and Casualty Practice Leader Justin Foa for an informative conversation on key findings and takeaways from Alera Group's annual flagship 2026 Property and Casualty Market Outlook Report.
January 20, 2026 at 01:00 pm CT | Virtual
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Employee Benefits
Foundations – Understanding the Multigenerational Workforce
In our three-part webinar series, Designing Benefits That Work – A Data-Driven, Multigenerational Focus, we’ll explore multigenerational workforce insights, debunk generational myths, share early- and late-career planning strategies, review legal and compliance trends and provide actionable tools and resources.
January 21, 2026 at 10:00 am CT | Virtual
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Employee Benefits
The 2026 Market Reality: Why Costs Feel Uncontrollable — and Where Leaders Still Have Leverage
A clear map of where leaders can act in 2026 and how to prioritize decisions that move cost and outcomes.
January 22, 2026 at 01:00 pm CT | Virtual
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THOUGHT LEADERSHIP
Insights
Retirement Plan Services
Supporting Gen X on the Path to Retirement
Many Gen Xers are balancing financial demands from both parents and children while trying to boost their retirement savings. With rising costs and market uncertainty, the right planning strategies can help make the most of their remaining earning years.
March 12, 2025
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Retirement Plan Services
Amazon Accused of Mismanaging 401(k) Forfeiture Funds
Amazon is facing a class-action lawsuit over allegations of mismanaging millions in forfeited 401(k) funds, potentially benefiting the company at employees' expense. As similar lawsuits target major corporations, the outcome could impact how retirement plans are managed industry wide.
March 5, 2025
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Enhancing Retirement Opportunities for Part-Time Employees
Part-time employees now have greater access to employer-sponsored retirement plans, but their financial challenges often differ from those of full-time workers. Learn how tailored support, flexible education, and strategic plan design can help them save for the future.
March 5, 2025
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Why Workers Leave Matching Dollars on the Table
Many employees unknowingly leave free retirement dollars on the table due to psychological biases like present bias, loss aversion, and decision paralysis. Understanding these barriers can help plan sponsors implement strategies that encourage higher contributions and ensure employees maximize their employer match.
February 11, 2025
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