# Find 3(21) Investment Advisors
Source: https://planprovider.pro/3-21-investment-advisors?page=17

> 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

- 

### [Jms Capital Group Wealth Services, LLC](https://planprovider.pro/provider/jms-capital-group-wealth-services-llc)

Plan Advisor

Sewickley, PA

**Stats:** $161M under management

[View Profile](https://planprovider.pro/provider/jms-capital-group-wealth-services-llc)

- 

### [Pittsburgh Financial Planners, Inc.](https://planprovider.pro/provider/pittsburgh-financial-planners-inc)

Plan Advisor

Bridgeville, PA

**Stats:** $161M under management

**Company:** Est. 2022

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

- 

### [Smi Advisory Services, LLC](https://planprovider.pro/provider/smi-advisory-services-llc)

Plan Advisor

Columbus, IN

**Stats:** $160M under management

[View Profile](https://planprovider.pro/provider/smi-advisory-services-llc)

- 

### [Wabash Capital, Inc.](https://planprovider.pro/provider/wabash-capital-inc)

Plan Advisor

Terre Haute, IN

**Stats:** $158M under management

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

- 

### [Avant Capital, LLC](https://planprovider.pro/provider/avant-capital-llc)

Plan Advisor

Lafayette, LA

**Stats:** $155M under management

**Company:** Est. 2022

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

- 

### [J.m. Arbour, LLC](https://planprovider.pro/provider/jm-arbour-llc)

Plan Advisor

Hallowell, ME

**Stats:** $154M under management

[View Profile](https://planprovider.pro/provider/jm-arbour-llc)

- 

### [Dreher Financial Partners](https://planprovider.pro/provider/dreher-financial-partners)

Plan Advisor

Southern Pines, NC

**Stats:** $148M under management

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

- 

### [Water Street Financial LLC](https://planprovider.pro/provider/water-street-financial-llc)

Plan Advisor

Winchester, VA

**Stats:** $147M under management

**Company:** 5 employees

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

- 

### [Accordant Advisory Group, Inc.](https://planprovider.pro/provider/accordant-advisory-group-inc)

Plan Advisor

Annapolis, MD

**Stats:** $147M under management

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

- 

### [Outfitter Financial](https://planprovider.pro/provider/outfitter-financial)

Plan Advisor

Brunswick, ME

**Stats:** $146M under management

**Company:** Est. 2018 • 4 employees

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

- 

### [James I. Black & Company](https://planprovider.pro/provider/james-i-black-and-company)

Plan Advisor

Lakeland, FL

**Stats:** $143M under management

**Company:** Est. 1964

[View Profile](https://planprovider.pro/provider/james-i-black-and-company)

- 

### [Guidance Capital, Inc.](https://planprovider.pro/provider/guidance-capital-inc)

Plan Advisor

Louisville, KY

**Stats:** $142M under management

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

- 

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

Plan Advisor

Leawood, KS

**Stats:** $142M under management

**Company:** Est. 2006

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

- 

### [Price Financial Group Wealth Management, Inc.](https://planprovider.pro/provider/price-financial-group-wealth-management-inc)

Plan Advisor

Beaverton, OR

**Stats:** $141M under management

**Company:** Est. 2004

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

- 

### [Bright Investments, LLC](https://planprovider.pro/provider/bright-investments-llc)

Plan Advisor

Auburn, AL

**Stats:** $140M under management

**Company:** Est. 2015

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

- 

### [Allison Investment Management, LLC](https://planprovider.pro/provider/allison-investment-management-llc)

Plan Advisor

Columbia, SC

**Stats:** $138M under management

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

- 

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

Plan Advisor

Chattanooga, TN

**Stats:** $137M under management

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

- 

### [Four Quadrant Wealth Advisors, Inc.](https://planprovider.pro/provider/four-quadrant-wealth-advisors-inc)

Plan Advisor

Carmel, IN

**Stats:** $135M under management

**Company:** Est. 2004

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

- 

### [Hahn Financial Group](https://planprovider.pro/provider/hahn-financial-group)

Plan Advisor

Sioux Falls, SD

**Stats:** $134M under management

**Company:** Est. 2012

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

- 

### [Pinnacle Asset Management Group, Corporation (inc.)](https://planprovider.pro/provider/pinnacle-asset-management-group-corporation-inc)

Plan Advisor

Roseville, CA

**Stats:** $132M under management

[View Profile](https://planprovider.pro/provider/pinnacle-asset-management-group-corporation-inc)

- 

### [Next Generation Investing, LLC](https://planprovider.pro/provider/next-generation-investing-llc)

Plan Advisor

Topeka, KS

**Stats:** $128M under management

**Company:** Est. 2021 • 3 employees

[View Profile](https://planprovider.pro/provider/next-generation-investing-llc)

- 

### [Campbell Asset Management, LLC](https://planprovider.pro/provider/campbell-asset-management-llc)

Plan Advisor

**Stats:** $127M under management

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

- 

### [Garlikov Advisors INC](https://planprovider.pro/provider/garlikov-advisors-inc)

Plan Advisor

Columbus, OH

**Stats:** $127M under management

**Company:** Est. 1978

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

- 

### [Lifecourse Capital, Inc.](https://planprovider.pro/provider/lifecourse-capital-inc)

Plan Advisor

Madison, AL

**Stats:** $126M under management

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

- 

### [Hfg Advisors, Inc.](https://planprovider.pro/provider/hfg-advisors-inc)

Plan Advisor

Kalamazoo, MI

**Stats:** $126M under management

**Company:** Est. 1987

[View Profile](https://planprovider.pro/provider/hfg-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=17)

© 2026 PlanProvider.Pro