Abstract: A system and method for a data processor implemented system monitor for enabling individual employee participants to access independent professional money management for their Benefit Plan assets in a manner that is free from the traditional economic conflicts of interest inherent in previous systems is disclosed. The system and method are adapted to separate the investment management functions and fees thereof from the participant investment advice function and the fees thereof. The system and method collects, monitors and directs information from employee Benefit Plan accounts, employees, employers, fund managers and professional investment advisors to provide professional investment advice in a non conflict of interest manner and in accordance with the regulatory restraints of ERISA.