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

> 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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### [CGO Financial](https://planprovider.pro/provider/cgo-financial)

Plan Advisor • Verified

Lisle, IL

**Stats:** $9.9B under management

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

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

Plan Advisor

Kansas City, MO

**Stats:** $9.8B under management

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

- 

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

Plan Advisor

Lafayette, LA

**Stats:** $9.1B under management

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

- 

### [Stephen Wealth Management Group](https://planprovider.pro/provider/stephens-consulting-llc)

Plan Advisor

Flint, MI

**Credentials:** RIA - Registered Investment Advisor

**Stats:** $8.7B under management

**Company:** Est. 2020

[View Profile](https://planprovider.pro/provider/stephens-consulting-llc)

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### [The Wealth Consulting Group](https://planprovider.pro/provider/the-wealth-consulting-group)

Plan Advisor

Las Vegas, NV

**Stats:** $7.9B under management

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

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### [Twin Focus Capital Partners, LLC](https://planprovider.pro/provider/twin-focus-capital-partners-llc)

Plan Advisor

Boston, MA

**Stats:** $7.9B under management

**Company:** Est. 2006

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

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### [Harbour Investments, Inc.](https://planprovider.pro/provider/harbour-investments-inc)

Plan Advisor

Madison, WI

**Stats:** $7.6B under management

**Company:** Est. 1987 • 214 employees

[View Profile](https://planprovider.pro/provider/harbour-investments-inc)

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### [R M Davis INC](https://planprovider.pro/provider/r-m-davis-inc)

Plan Advisor

Portland, ME

**Stats:** $7.3B under management

**Company:** Est. 1978

[View Profile](https://planprovider.pro/provider/r-m-davis-inc)

- 

### [Creative Financial Designs, Inc.](https://planprovider.pro/provider/creative-financial-designs-inc)

Plan Advisor

Kokomo, IN

**Stats:** $7.0B under management

**Company:** Est. 1982

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

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

Plan Advisor

Brattleboro, VT

**Stats:** $6.6B under management

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

- 

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

Plan Advisor

Edina, MN

**Stats:** $6.1B under management

**Company:** Est. 2021

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

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### [David Vaughan Investments, LLC](https://planprovider.pro/provider/david-vaughan-investments-llc)

Plan Advisor

Peoria, IL

**Stats:** $6.0B under management

**Company:** Est. 1977

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

- 

### [Northeast Planning Associates, Inc.](https://planprovider.pro/provider/northeast-planning-associates-inc)

Plan Advisor

Bedford, NH

**Stats:** $5.3B under management

**Company:** Est. 1959

[View Profile](https://planprovider.pro/provider/northeast-planning-associates-inc)

- 

### [True North Retirement Advisors, LLC](https://planprovider.pro/provider/true-north-retirement-advisors-llc)

Plan Advisor

Clackamas, OR

**Stats:** $5.1B under management

**Company:** Est. 2017

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

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### [Pfg Advisors](https://planprovider.pro/provider/pfg-advisors)

Plan Advisor

Lubbock, TX

**Stats:** $5.0B under management

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

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

Plan Advisor

Winona Lake, IN

**Stats:** $4.9B under management

**Company:** Est. 1968

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

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

Plan Advisor

Grand Blanc, MI

**Stats:** $4.8B under management

**Company:** Est. 2000

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

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### [Coastal Bridge Advisors](https://planprovider.pro/provider/coastal-bridge-advisors)

Plan Advisor

Westport, CT

**Stats:** $4.6B under management

**Company:** Est. 2008 • 30 employees

[View Profile](https://planprovider.pro/provider/coastal-bridge-advisors)

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

Plan Advisor

Aurora, OH

**Stats:** $4.3B under management

**Company:** Est. 1996

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

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### [Capital Cities Investments](https://planprovider.pro/provider/capital-cities-investments)

Plan Advisor

Tallahassee, FL

**Stats:** $4.1B under management

**Company:** 969 employees

[View Profile](https://planprovider.pro/provider/capital-cities-investments)

- 

### [Cwa Asset Management Group](https://planprovider.pro/provider/cwa-asset-management-group)

Plan Advisor

Naples, FL

**Stats:** $4.1B under management

**Company:** Est. 2003 • 45 employees

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

- 

### [Tfp Management, LLC](https://planprovider.pro/provider/tfp-management-llc)

Plan Advisor

Orlando, FL

**Stats:** $4.0B under management

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

- 

### [Salem Investment Counselors INC](https://planprovider.pro/provider/salem-investment-counselors-inc)

Plan Advisor

Winston-Salem, NC

**Stats:** $3.8B under management

**Company:** Est. 1979

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

- 

### [Parsec Financial](https://planprovider.pro/provider/parsec-financial)

Plan Advisor

Asheville, NC

**Stats:** $3.8B under management

**Company:** Est. 1980

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

- 

### [Smith Moore & Co.](https://planprovider.pro/provider/smith-moore-and-co)

Plan Advisor

Clayton, MO

**Stats:** $3.8B under management

**Company:** Est. 1913 • 75 employees

[View Profile](https://planprovider.pro/provider/smith-moore-and-co)

# 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=3)

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