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
Employee Benefits
Open Enrollment That Works: Why Employees Do Not Engage — and How Modern Communications Drive Better Choices
Practical communication strategies to strengthen open enrollment effectiveness and employee decision-making.
August 18, 2026 at 01:00 pm CT | Virtual
Register Here
Employee Benefits
Point Solutions, Proven: Why Vendor Sprawl Fails — and How to Identify What Actually Drives Impact
A clearer framework for sorting through point solutions to determine where investment may—or may not—deliver value.
September 15, 2026 at 01:00 pm CT | Virtual
Register Here
Employee Benefits
Primary Care as a Strategy: How Direct Primary Care Can Lower Costs and Improve Outcomes
A clearer understanding of how Direct Primary Care can be used as a strategic lever to improve outcomes while controlling total cost of care.
October 20, 2026 at 01:00 pm CT | Virtual
Register Here
THOUGHT LEADERSHIP
Insights
Financial Services
The Hidden Cost of Sitting on Cash
Holding cash might feel safe — but it could be quietly costing you. Learn how to find the right balance between flexibility and growth, so your money keeps working as hard as you do.
July 28, 2025
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Financial Services
Tuition, Travel, Retirement — Can You Plan for It All?
You’re juggling college savings, retirement planning, and living fully today. Here’s how a personalized plan can help you balance it all — without losing momentum or peace of mind.
July 28, 2025
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What Does Wealth Mean to Your Family?
Wealth is more than a number — it’s what you’re able to do with it. Discover how aligning your financial strategy with your family’s values can lead to greater clarity, connection, and purpose.
July 28, 2025
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Monthly Market and Economic Update - June 2025
Read about the latest insights on the market and economy from our Director of Investments, Bob Janson.
July 7, 2025
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