2025 Top Retirement Plan Adviser: Scott Ciullo

Scott Ciullo

This year, PLANADVISER followed up with advisers on the 2025 Top Retirement Plan Advisers listing to get to know them better. These are the responses from Scott Ciullo of KerberRose Retirement Plan Services in Marquette, Michigan.

PLANADVISER: How do you balance the desire to grow with the need to keep clients happy?

Ciullo: KerberRose Wealth Management achieves growth while keeping clients happy by aligning expansion with enhanced value. As our firm grows its asset base, we negotiate better pricing with recordkeepers and third-party administrators, especially for smaller plans. This cost efficiency reinforces trust and satisfaction.

Client experience remains central to our firm’s strategy. From onboarding, KerberRose emphasizes high-touch service. We introduce clients to a dedicated team and set expectations for responsive, personalized support.

Growth is also supported by data-driven customization. Benchmarking tools help match clients with the best-fit providers and solutions, ensuring that scaling doesn’t compromise quality.

Our advisers maintain a fiduciary-first mindset, tailoring strategies to individual needs. This integrity builds long-term loyalty and differentiates KerberRose in a competitive market.

In short, KerberRose grows by delivering more value, not just more volume. Our approach combines operational efficiency, personalized service and ethical guidance to ensure that expansion enhances, rather than dilutes, client satisfaction.

PLANADVISER: How do you foresee the retirement plan industry evolving in the coming decade? Will your practice look much the same in 10 years, or do you see significant evolution coming?

Ciullo: Over the next 10 years, the retirement plan industry will undergo significant transformation driven by technology, regulation and participant expectations. Automation and artificial intelligence will streamline plan administration and investment management, enabling more personalized, real-time experiences for participants. Legislative changes building on the SECURE Acts will likely expand access and increase compliance complexity, requiring firms to be more agile and proactive.

A major shift will be the convergence of retirement and wealth management. As participants transition from accumulation to decumulation, they’ll seek holistic financial advice, prompting firms to integrate services like estate planning, tax strategy and personal finance coaching. This evolution will also be shaped by fee compression, pushing providers to diversify revenue through advisory services and digital tools.

KerberRose Wealth Management is already aligning with these trends. Our firm emphasizes participant-centric planning and invests in education through newsletters and workshops. Our team of credentialed advisers and commitment to fiduciary excellence position us well for the future.

In 10 years, our practice will likely look very different. We will be more digital, more integrated and more focused on lifetime financial wellness. But the core mission of trust, service and personalized guidance will remain unchanged.

PLANADVISER: For those plan sponsors looking for a new plan adviser, describe what makes your firm stand out.

Ciullo: KerberRose Wealth Management distinguishes itself through a unique blend of personalized service and institutional strength. Our firm offers hands-on, client-centered guidance, while leveraging deep resources through partnerships with RPAG, recordkeepers and third-party administrators. This allows KerberRose to deliver sophisticated solutions with a personal touch.

Our fiduciary-driven approach ensures that every recommendation is made in the client’s best interest. Advisers are not just service providers. We are strategic partners who help plan sponsors navigate compliance, optimize plan design and improve participant outcomes.

KerberRose also stands out for its commitment to actionable insights. Rather than relying on generic reporting, our firm delivers complete analysis that helps employers make informed decisions about their benefits budgets and retirement readiness strategies.

Our “One Firm” culture fosters collaboration across tax, payroll, HR consulting and wealth management teams, enabling seamless service delivery and long-term relationship building. This integrated model ensures that clients benefit from cross-functional expertise and a consistent experience.

In short, KerberRose Wealth Management combines deep technical knowledge, a fiduciary mindset and a collaborative culture to deliver exceptional value to clients. We are a firm where institutional capabilities meet personalized care.

Click to see the list of 2025 Top Retirement Plan Advisers

View Other Top Retirement Plan Adviser Profiles Here