# Find 3(21) Investment Advisors
Source: https://planprovider.pro/3-21-investment-advisors?page=10

> Compare leading ERISA 3(21) investment advisors to secure professional co-fiduciary support. Find experts to guide your retirement plan investment strategy.

Secure expert co-fiduciary support for your retirement plan. Compare top-rated ERISA 3(21) investment advisors who provide professional guidance and investment monitoring while allowing you to retain control over final decisions.

Browse 507 providers in this category.

## Provider ranking

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### [Concorde Financial Resources](https://planprovider.pro/provider/concorde-financial-resources)

Plan Advisor

Boca Raton, FL

**Stats:** $490M under management

[View Profile](https://planprovider.pro/provider/concorde-financial-resources)

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### [Bright Financial Advisors, Inc.](https://planprovider.pro/provider/bright-financial-advisors-inc)

Plan Advisor

Portage, MI

**Stats:** $489M under management

**Company:** Est. 1958

[View Profile](https://planprovider.pro/provider/bright-financial-advisors-inc)

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### [Gallacher Capital Management, LLC](https://planprovider.pro/provider/gallacher-capital-management-llc)

Plan Advisor

Lone Tree, CO

**Stats:** $488M under management

**Company:** Est. 1993

[View Profile](https://planprovider.pro/provider/gallacher-capital-management-llc)

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### [Halter Ferguson Financial INC](https://planprovider.pro/provider/halter-ferguson-financial-inc)

Plan Advisor

Carmel, IN

**Stats:** $488M under management

**Company:** Est. 1986

[View Profile](https://planprovider.pro/provider/halter-ferguson-financial-inc)

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### [The Genwealth Group, Inc.](https://planprovider.pro/provider/the-genwealth-group-inc)

Plan Advisor

Maplewood, NJ

**Stats:** $484M under management

**Company:** Est. 2008 • 8 employees

[View Profile](https://planprovider.pro/provider/the-genwealth-group-inc)

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### [Hobbs Group Advisors LLC](https://planprovider.pro/provider/hobbs-group-advisors-llc)

Plan Advisor

Columbia, SC

**Stats:** $479M under management

**Company:** Est. 2007 • 9 employees

[View Profile](https://planprovider.pro/provider/hobbs-group-advisors-llc)

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### [Bigelow Investment Advisors, LLC](https://planprovider.pro/provider/bigelow-investment-advisors-llc)

Plan Advisor

Portland, ME

**Stats:** $476M under management

**Company:** Est. 2007

[View Profile](https://planprovider.pro/provider/bigelow-investment-advisors-llc)

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### [Kooman & Associates](https://planprovider.pro/provider/kooman-and-associates)

Plan Advisor

Altoona, PA

**Stats:** $472M under management

**Company:** Est. 2011

[View Profile](https://planprovider.pro/provider/kooman-and-associates)

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### [Stokes Capital Advisors, LLC](https://planprovider.pro/provider/stokes-capital-advisors-llc)

Plan Advisor

Greenwood, SC

**Stats:** $470M under management

**Company:** Est. 2015

[View Profile](https://planprovider.pro/provider/stokes-capital-advisors-llc)

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### [Aegis Financial](https://planprovider.pro/provider/aegis-financial)

Plan Advisor

Phoenix, AZ

**Stats:** $468M under management

[View Profile](https://planprovider.pro/provider/aegis-financial)

- 

### [Wise Wealth, LLC](https://planprovider.pro/provider/wise-wealth-llc)

Plan Advisor

Prospect, CT

**Stats:** $464M under management

[View Profile](https://planprovider.pro/provider/wise-wealth-llc)

- 

### [Stewardship Advisors, LLC](https://planprovider.pro/provider/stewardship-advisors-llc)

Plan Advisor

Mount Joy, PA

**Stats:** $462M under management

[View Profile](https://planprovider.pro/provider/stewardship-advisors-llc)

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### [Lokken Investment Group, LLC](https://planprovider.pro/provider/lokken-investment-group-llc)

Plan Advisor

Lewes, DE

**Stats:** $455M under management

**Company:** Est. 2008

[View Profile](https://planprovider.pro/provider/lokken-investment-group-llc)

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### [Thepartners Wealth Management](https://planprovider.pro/provider/thepartners-wealth-management)

Plan Advisor

Carmel By The Sea, CA

**Stats:** $455M under management

**Company:** Est. 2021

[View Profile](https://planprovider.pro/provider/thepartners-wealth-management)

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### [Capitol Private Wealth Group LLC](https://planprovider.pro/provider/capitol-private-wealth-group-llc)

Plan Advisor

Vienna, VA

**Stats:** $451M under management

**Company:** Est. 2016

[View Profile](https://planprovider.pro/provider/capitol-private-wealth-group-llc)

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### [Robinson Smith Wealth Advisors, LLC](https://planprovider.pro/provider/robinson-smith-wealth-advisors-llc)

Plan Advisor

South Portland, ME

**Stats:** $445M under management

[View Profile](https://planprovider.pro/provider/robinson-smith-wealth-advisors-llc)

- 

### [Prosperity Wealth Management, Inc.](https://planprovider.pro/provider/prosperity-wealth-management-inc)

Plan Advisor

Overland Park, KS

**Stats:** $442M under management

[View Profile](https://planprovider.pro/provider/prosperity-wealth-management-inc)

- 

### [Pure Portfolios](https://planprovider.pro/provider/pure-portfolios)

Plan Advisor

Lake Oswego, OR

**Stats:** $437M under management

[View Profile](https://planprovider.pro/provider/pure-portfolios)

- 

### [Fyra Capital Management](https://planprovider.pro/provider/fyra-capital-management)

Plan Advisor

Saint Charles, MO

**Stats:** $437M under management

[View Profile](https://planprovider.pro/provider/fyra-capital-management)

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### [Holderness Investments CO](https://planprovider.pro/provider/holderness-investments-co)

Plan Advisor

Greensboro, NC

**Stats:** $434M under management

**Company:** Est. 1995

[View Profile](https://planprovider.pro/provider/holderness-investments-co)

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### [Ruedi Wealth Management, Inc.](https://planprovider.pro/provider/ruedi-wealth-management-inc)

Plan Advisor

Champaign, IL

**Stats:** $432M under management

**Company:** Est. 2014

[View Profile](https://planprovider.pro/provider/ruedi-wealth-management-inc)

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### [Physicians Financial Services, Inc.](https://planprovider.pro/provider/physicians-financial-services-inc)

Plan Advisor

Omaha, NE

**Stats:** $432M under management

**Company:** Est. 1990

[View Profile](https://planprovider.pro/provider/physicians-financial-services-inc)

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### [Mendota Financial Group, LLC](https://planprovider.pro/provider/mendota-financial-group-llc)

Plan Advisor

Madison, WI

**Stats:** $431M under management

[View Profile](https://planprovider.pro/provider/mendota-financial-group-llc)

- 

### [Delta Financial Advisors, L.l.c.](https://planprovider.pro/provider/delta-financial-advisors-llc)

Plan Advisor

New Orleans, LA

**Stats:** $429M under management

[View Profile](https://planprovider.pro/provider/delta-financial-advisors-llc)

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### [Maryland Capital Advisors, Inc.](https://planprovider.pro/provider/maryland-capital-advisors-inc)

Plan Advisor

Chester, MD

**Stats:** $429M under management

**Company:** Est. 1997

[View Profile](https://planprovider.pro/provider/maryland-capital-advisors-inc)

# Partner with Top ERISA 3(21) Investment Advisors

Managing a corporate retirement plan requires navigating a complex landscape of investment choices, regulatory obligations, and fiduciary liabilities. For plan sponsors who want to retain final authority over their plan's investment menu but require professional expertise to make informed decisions, hiring an **ERISA 3(21) investment advisor** is the ideal strategy. These professionals act as "co-fiduciaries," working alongside you to ensure your plan remains competitive, compliant, and beneficial for your employees.

## What is a 3(21) Fiduciary Advisor?

Under ERISA Section 3(21), an advisor is defined as a fiduciary if they render investment advice for a fee. Unlike a 3(38) manager who takes full discretion, a 3(21) advisor serves as a strategic partner. They provide the research, due diligence, and recommendations, but the plan sponsor (typically the investment committee) retains the final say on which funds to add, keep, or remove. This "help me do it" model is perfect for organizations that want to stay involved in the process without shouldering the burden of investment analysis alone.

Key services provided by qualified 3(21) advisors include:

- **Investment Screening:** Rigorous analysis of mutual funds and ETFs to ensure they meet performance and cost benchmarks.

- **Quarterly Monitoring:** Ongoing review of the investment lineup to identify underperforming funds or style drift.

- **Fiduciary Training:** Educating your investment committee on their responsibilities to minimize personal liability.

- **Fee Benchmarking:** helping you evaluate costs against industry standards, often coordinating with [retirement plan providers](https://planprovider.pro/retirement-plans) to negotiate better rates.

## The Difference Between 3(21) and 3(38) Advisors

Choosing between a 3(21) and a 3(38) advisor comes down to how much control—and liability—you wish to delegate. While a 3(21) advisor shares the fiduciary risk with you, a 3(38) investment manager assumes the bulk of the liability for investment selection. Many of the firms listed in our [Plan Advisors](https://planprovider.pro/plan-advisors) directory offer both levels of service, allowing you to scale your engagement as your company's needs evolve.

## Mitigating Risk and Ensuring Compliance

One of the primary reasons to engage a 3(21) advisor is risk mitigation. The Department of Labor focuses heavily on procedural prudence—not just investment results. A 3(21) advisor helps you document your decision-making process, creating a paper trail that is vital during regulatory reviews. They often collaborate with other professionals, such as [ERISA attorneys](https://planprovider.pro/erisa-attorneys) and [auditors](https://planprovider.pro/auditors), to ensure that your plan's governance structure is legally sound.

Explore our comprehensive list of ERISA 3(21) investment advisors to find a partner who aligns with your fiduciary goals and helps you build a retirement plan that empowers your workforce.

[View full interactive listing on PlanProvider.Pro](https://planprovider.pro/3-21-investment-advisors?page=10)

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