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Piedmont Independent Fiduciaries, Inc. was founded as an independent SEC Registered Investment Advisor (RIA) to provide investment management and fiduciary consulting services to 401(k) and 403 (b) plan sponsors. It delivers state-of-the-art portfolio solutions and fiduciary oversight through the disciplined application of modern finance best practices and out-of-the-box thinking. As a Registered Investment Advisor, Piedmont has a fiduciary duty to act in its clients' best interests. A Rafalko Investment Company. www.pif401k.com