# Find 3(21) Investment Advisors
Source: https://planprovider.pro/3-21-investment-advisors?page=12

> 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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### [Graham, Bordelon, Golson & Gilbert, Inc.](https://planprovider.pro/provider/graham-bordelon-golson-and-gilbert-inc)

Plan Advisor

Monroe, LA

**Stats:** $370M under management

**Company:** Est. 1985

[View Profile](https://planprovider.pro/provider/graham-bordelon-golson-and-gilbert-inc)

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### [Kkm Financial LLC](https://planprovider.pro/provider/kkm-financial-llc)

Plan Advisor

Chicago, IL

**Stats:** $366M under management

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

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### [Second Half Financial Partners, LLC](https://planprovider.pro/provider/second-half-financial-partners-llc)

Plan Advisor

Latrobe, PA

**Stats:** $364M under management

[View Profile](https://planprovider.pro/provider/second-half-financial-partners-llc)

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

Plan Advisor

Charlottesville, VA

**Stats:** $364M under management

**Company:** Est. 2011

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

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### [H. L. Ormond & Company, LLC](https://planprovider.pro/provider/h-l-ormond-and-company-llc)

Plan Advisor

Greenville, NC

**Stats:** $360M under management

**Company:** Est. 2010

[View Profile](https://planprovider.pro/provider/h-l-ormond-and-company-llc)

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### [Whitener Capital Management, INC](https://planprovider.pro/provider/whitener-capital-management-inc)

Plan Advisor

Rocky Mount, NC

**Stats:** $357M under management

**Company:** Est. 1987

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

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### [Heacock & Jones Financial Services, Inc.](https://planprovider.pro/provider/heacock-and-jones-financial-services-inc)

Plan Advisor

Dubuque, IA

**Stats:** $355M under management

**Company:** Est. 2000

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

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### [Bright Road Wealth Management, LLC](https://planprovider.pro/provider/bright-road-wealth-management-llc)

Plan Advisor

Anchorage, AK

**Credentials:** CFP® - Certified Financial Planner • RIA - Registered Investment Advisor • Other

**Stats:** $350M under management

**Company:** Est. 2016 • 10 employees

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

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### [Hibernia Wealth Partners, LLC](https://planprovider.pro/provider/hibernia-wealth-partners-llc)

Plan Advisor

Baton Rouge, LA

**Stats:** $347M under management

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

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

Plan Advisor

Jupiter, FL

**Stats:** $346M under management

**Company:** Est. 2012

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

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### [Great River Financial](https://planprovider.pro/provider/great-river-financial)

Plan Advisor

Plymouth, MN

**Stats:** $344M under management

**Company:** Est. 2021

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

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### [Mighty Oak Strong America Investment Company](https://planprovider.pro/provider/mighty-oak-strong-america-investment-company)

Plan Advisor

Mechanicsburg, PA

**Stats:** $340M under management

**Company:** Est. 2002

[View Profile](https://planprovider.pro/provider/mighty-oak-strong-america-investment-company)

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### [Dent Wealth Advisors](https://planprovider.pro/provider/dent-wealth-advisors)

Plan Advisor

Baton Rouge, LA

**Stats:** $340M under management

**Company:** Est. 1997 • 5 employees

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

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### [Cornerstone Financial Planning, LLC](https://planprovider.pro/provider/cornerstone-financial-planning-llc)

Plan Advisor

Portland, ME

**Stats:** $336M under management

**Company:** Est. 2016 • 7 employees

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

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### [Watershed Private Wealth LLC](https://planprovider.pro/provider/watershed-private-wealth-llc)

Plan Advisor

Oak Brook, IL

**Stats:** $333M under management

**Company:** Est. 2021

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

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### [Smith Financial Investment Advisors, Inc.](https://planprovider.pro/provider/smith-financial-investment-advisors-inc)

Plan Advisor

Kokomo, IN

**Stats:** $333M under management

**Company:** Est. 2010 • 5 employees

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

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

Plan Advisor

Lexington, KY

**Stats:** $330M under management

**Company:** Est. 2010

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

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### [Andesa Financial Management, Inc.](https://planprovider.pro/provider/andesa-financial-management-inc)

Plan Advisor

Allentown, PA

**Stats:** $330M under management

**Company:** Est. 2004

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

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### [Goepper Burkhardt LLC](https://planprovider.pro/provider/goepper-burkhardt-llc)

Plan Advisor

Greenville, SC

**Stats:** $326M under management

**Company:** Est. 2003

[View Profile](https://planprovider.pro/provider/goepper-burkhardt-llc)

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### [Bluestem Financial Advisors, LLC](https://planprovider.pro/provider/bluestem-financial-advisors-llc)

Plan Advisor

Savoy, IL

**Stats:** $326M under management

**Company:** Est. 2019

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

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### [Busey Capital Management, Inc.](https://planprovider.pro/provider/busey-capital-management-inc)

Plan Advisor

Urbana, IL

**Stats:** $325M under management

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

- 

### [Sierra Asset Management](https://planprovider.pro/provider/sierra-asset-management)

Plan Advisor

Oakhurst, CA

**Stats:** $323M under management

[View Profile](https://planprovider.pro/provider/sierra-asset-management)

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### [Centerline Wealth Advisors, LLC](https://planprovider.pro/provider/centerline-wealth-advisors-llc)

Plan Advisor

Louisville, KY

**Stats:** $322M under management

**Company:** Est. 2015

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

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### [Montvue Capital Management, Inc.](https://planprovider.pro/provider/montvue-capital-management-inc)

Plan Advisor

Lynchburg, VA

**Stats:** $321M under management

**Company:** Est. 1999

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

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### [Excel Financial, LLC](https://planprovider.pro/provider/excel-financial-llc)

Plan Advisor

Red Wing, MN

**Stats:** $320M under management

**Company:** Est. 2008

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

# 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=12)

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