# Find 3(21) Investment Advisors
Source: https://planprovider.pro/3-21-investment-advisors?page=13

> 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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### [Rooted Wealth Advisors](https://planprovider.pro/provider/rooted-wealth-advisors)

Plan Advisor

Bourbonnais, IL

**Stats:** $318M under management

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

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### [Resolute Wealth Strategies, LLC](https://planprovider.pro/provider/resolute-wealth-strategies-llc)

Plan Advisor

Jackson, MS

**Stats:** $316M under management

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

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

Plan Advisor

Corona, CA

**Stats:** $315M under management

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

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

Plan Advisor

Charlottesville, VA

**Stats:** $313M under management

**Company:** Est. 2015

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

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### [Dibenedetto & Associates LTD](https://planprovider.pro/provider/dibenedetto-and-associates-ltd)

Plan Advisor

Loves Park, IL

**Stats:** $313M under management

**Company:** Est. 1980 • 3 employees

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

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### [Hoxton Planning & Management, LLC](https://planprovider.pro/provider/hoxton-planning-and-management-llc)

Plan Advisor

Shepherdstown, WV

**Stats:** $307M under management

**Company:** Est. 2022

[View Profile](https://planprovider.pro/provider/hoxton-planning-and-management-llc)

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### [Prudent Street Financial Advisors, LLC](https://planprovider.pro/provider/prudent-street-financial-advisors-llc)

Plan Advisor

Brentwood, TN

**Stats:** $303M under management

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

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### [Beacon Bridge Wealth Partners, LLC](https://planprovider.pro/provider/beacon-bridge-wealth-partners-llc)

Plan Advisor

Lower Gwynedd, PA

**Stats:** $301M under management

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

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

Plan Advisor

St. Petersburg, FL

**Stats:** $301M under management

**Company:** Est. 2023

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

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### [Vestbridge Advisors, INC](https://planprovider.pro/provider/vestbridge-advisors-inc)

Plan Advisor

Egg Harbor Township, NJ

**Stats:** $301M under management

**Company:** Est. 2021

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

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### [James T. Borello & Co.](https://planprovider.pro/provider/james-t-borello-and-co)

Plan Advisor

East Dundee, IL

**Stats:** $300M under management

[View Profile](https://planprovider.pro/provider/james-t-borello-and-co)

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### [Carter Financial Group, Inc.](https://planprovider.pro/provider/carter-financial-group-inc)

Plan Advisor

Barrington, IL

**Stats:** $298M under management

**Company:** Est. 2002

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

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### [Enhancing Capital LLC](https://planprovider.pro/provider/enhancing-capital-llc)

Plan Advisor

Harrisburg, PA

**Stats:** $298M under management

**Company:** Est. 2017

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

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

Plan Advisor

Gaithersburg, MD

**Stats:** $296M under management

**Company:** Est. 2008

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

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### [Antoine Williams & Associates Wealth Management, LLC](https://planprovider.pro/provider/antoine-williams-and-associates-wealth-management-llc)

Plan Advisor

Shelburne, VT

**Stats:** $295M under management

**Company:** Est. 2021

[View Profile](https://planprovider.pro/provider/antoine-williams-and-associates-wealth-management-llc)

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### [Choice Wealth Advisors LLC](https://planprovider.pro/provider/choice-wealth-advisors-llc)

Plan Advisor

Waterville, ME

**Stats:** $294M under management

**Company:** Est. 2018

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

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### [Panoramic Investment Advisors](https://planprovider.pro/provider/panoramic-investment-advisors)

Plan Advisor

Denver, CO

**Stats:** $293M under management

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

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### [Up North Financial, LLC](https://planprovider.pro/provider/up-north-financial-llc)

Plan Advisor

Traverse City, MI

**Stats:** $285M under management

**Company:** Est. 2009

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

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

Plan Advisor

Windham, NH

**Stats:** $285M under management

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

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### [Pace Financial Advisors](https://planprovider.pro/provider/pace-financial-advisors)

Plan Advisor

Hillsboro, OR

**Stats:** $284M under management

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

- 

### [Joel Adams And Associates Inc.](https://planprovider.pro/provider/joel-adams-and-associates-inc)

Plan Advisor

Asheville, NC

**Stats:** $282M under management

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

- 

### [Farrow Financial INC](https://planprovider.pro/provider/farrow-financial-inc)

Plan Advisor

South Burlington, VT

**Stats:** $280M under management

**Company:** Est. 1981

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

- 

### [Birchcreek Wealth Management, LLC](https://planprovider.pro/provider/birchcreek-wealth-management-llc)

Plan Advisor

Miamisburg, OH

**Stats:** $279M under management

**Company:** Est. 2019

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

- 

### [Uwharrie Investment Advisors, Inc.](https://planprovider.pro/provider/uwharrie-investment-advisors-inc)

Plan Advisor

Albemarle, NC

**Stats:** $278M under management

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

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### [Beacon Financial Strategies Corp.](https://planprovider.pro/provider/beacon-financial-strategies-corp)

Plan Advisor

Raleigh, NC

**Stats:** $277M under management

**Company:** Est. 2004

[View Profile](https://planprovider.pro/provider/beacon-financial-strategies-corp)

# 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=13)

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