Defined contribution
plans

We are focused on helping you meet the changing needs of your members and achieve better outcomes.

In an evolving environment with growing regulatory requirements for defined contribution plans, our highly experienced team partners with you to guide you on best practice and compliance.

How we can help DC plans

Through a variety of strategies, we can help defined contribution plan sponsors solve some of their most acute challenges.

In addition to achieving the desired level of investment returns that would enable your plan's members with adequate income to retire, our team takes due care to manage risks for a smoother investment journey. These include the use of intelligent diversification, a more active approach to asset allocation, and knowing when to use active fund managers, while being competitively priced.

Speak to our team

Tom Cassara

US Consulting Leader

Tom Cassara

US Consulting Leader

Tom Cassara is a Managing Director in River and Mercantile’s New York office and Head of the US business. In his role he consults with institutional clients across the investment and actuarial spectrum. This includes defined benefit, defined contribution, not for profit and retiree medical. Tom works with clients to bring his 30 years of experience across a wide range of institutional organizations to provide custom solutions. Prior to joining River and Mercantile, Tom was a Senior Partner with Mercer leading their US East Wealth business in addition to providing strategic investment and actuarial advice to clients. He has consulted to organizations with less than $100M in assets to greater than $5B in assets. Included in his experience is working with corporate, not for profit, church, healthcare and endowments and foundations. He is a Fellow of the Society of Actuaries, an Enrolled Actuary, a CFA charterholder and has a Series 3 license. Tom has a Bachelor of Science degree from Wake Forest University.

Michael Lynch

Director & Senior Investment Consultant

Michael Lynch

Director & Senior Investment Consultant

Mike Lynch is a Director and Senior Investment Consultant in River and Mercantile’s Boston office. He works with the Boards, Trustees and Investment Committees of corporations, municipalities and other public entities, endowment & foundations and Taft Hartley organizations in setting investment strategy, risk management and asset allocation. Prior to joining River and Mercantile in 2001, Mike worked at Higgins Associates and Bay Colony Financial Management. Mike is a voting member of the US Investment Committee. The Committee determines asset allocation for all US discretionary portfolios. He is also a member of the Global Equity research team and the US Defined Contribution team. A primary responsibility of each team is to identify appropriate investments and strategy for client portfolios. Mike graduated with a BA, International Studies, from Stonehill College. He’s been active in local youth and service organizations.

Justyna Mietelska

Director and Investment Consultant

Justyna Mietelska

Director and Investment Consultant

Justyna is a Director and Investment Consultant with River and Mercantile’s Boston office. Justyna has 10 years of institutional financial services experience working with both pure consulting as well as full fiduciary management clients. She is responsible for the implementation, design and governance of several defined benefit and defined contribution retirement plans. In addition, she is responsible for the development of the investment governance framework of the River and Mercantile’s Investment Team. She is a member of the US Investment Committee and several research teams. Prior to joining River and Mercantile she worked for Citizens Bank, where she served in a client relations and sales capacity. Justyna holds the Chartered Financial Analyst® designation and is a member of the CFA Society Boston. She has a B.A. in Economics and M.S. in Finance from Clark University.

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