# Find 3(21) Investment Advisors
Source: https://planprovider.pro/3-21-investment-advisors?page=6

> 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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### [Hamilton Point Investment Advisors, LLC](https://planprovider.pro/provider/hamilton-point-investment-advisors-llc)

Plan Advisor

Chapel Hill, NC

**Stats:** $1.1B under management

**Company:** Est. 2007

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

- 

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

Plan Advisor

Indianapolis, IN

**Stats:** $1.1B under management

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

- 

### [Monterey Private Wealth, Inc.](https://planprovider.pro/provider/monterey-private-wealth-inc)

Plan Advisor

Monterey, CA

**Stats:** $1.1B under management

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

- 

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

Plan Advisor

Evansville, IN

**Stats:** $1.1B under management

**Company:** Est. 1994

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

- 

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

Plan Advisor

Winston-Salem, NC

**Stats:** $1.1B under management

**Company:** Est. 1998

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

- 

### [Live Oak Private Wealth, LLC](https://planprovider.pro/provider/live-oak-private-wealth-llc)

Plan Advisor

Wilmington, NC

**Stats:** $1.1B under management

**Company:** Est. 2018

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

- 

### [Woodard & CO Asset Management Group INC](https://planprovider.pro/provider/woodard-and-co-asset-management-group-inc)

Plan Advisor

Bermuda Run, NC

**Stats:** $1.0B under management

**Company:** Est. 1998

[View Profile](https://planprovider.pro/provider/woodard-and-co-asset-management-group-inc)

- 

### [O'hagan Group, Inc.](https://planprovider.pro/provider/ohagan-group-inc)

Plan Advisor

Bethlehem, PA

**Stats:** $1.0B under management

**Company:** Est. 2021

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

- 

### [Regency Investment Advisors INC](https://planprovider.pro/provider/regency-investment-advisors-inc)

Plan Advisor

Fresno, CA

**Stats:** $1.0B under management

**Company:** Est. 1993

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

- 

### [Generation Capital Management LLC](https://planprovider.pro/provider/generation-capital-management-llc)

Plan Advisor

Pittsford, NY

**Stats:** $1.0B under management

**Company:** Est. 2003

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

- 

### [Heffernan Financial Services](https://planprovider.pro/provider/heffernan-financial-services)

Plan Advisor

Walnut Creek, CA

**Credentials:** CFP® - Certified Financial Planner • CFA® - Chartered Financial Analyst

**Stats:** $1.0B under management

**Company:** Est. 1995 • 3 employees

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

- 

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

Plan Advisor

Des Moines, IA

**Stats:** $1.0B under management

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

- 

### [Syverson Strege](https://planprovider.pro/provider/syverson-strege)

Plan Advisor

West Des Moines, IA

**Stats:** $1.0B under management

**Company:** Est. 1997

[View Profile](https://planprovider.pro/provider/syverson-strege)

- 

### [Walter Keenan Wealth Management](https://planprovider.pro/provider/walter-keenan-wealth-management)

Plan Advisor

South Bend, IN

**Stats:** $1.0B under management

**Company:** Est. 1982 • 12 employees

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

- 

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

Plan Advisor

Anderson, IN

**Stats:** $987M under management

**Company:** Est. 1997

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

- 

### [Stanley-laman Group Ltd.](https://planprovider.pro/provider/stanley-laman-group-ltd)

Plan Advisor

Berwyn, PA

**Stats:** $979M under management

[View Profile](https://planprovider.pro/provider/stanley-laman-group-ltd)

- 

### [Findec Wealth Services, Inc.](https://planprovider.pro/provider/findec-wealth-services-inc)

Plan Advisor

Stockton, CA

**Stats:** $964M under management

**Company:** Est. 1987

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

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### [Sensible Financial Planning And Management, LLC](https://planprovider.pro/provider/sensible-financial-planning-and-management-llc)

Plan Advisor

Waltham, MA

**Stats:** $944M under management

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

- 

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

Plan Advisor

Granger, IN

**Stats:** $935M under management

**Company:** Est. 1994

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

- 

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

Plan Advisor

Springfield, IL

**Stats:** $933M under management

**Company:** Est. 1931

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

- 

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

Plan Advisor

Dublin, OH

**Stats:** $930M under management

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

- 

### [Correct Capital Wealth Management, LLC](https://planprovider.pro/provider/correct-capital-wealth-management-llc)

Plan Advisor

Clayton, MO

**Stats:** $922M under management

**Company:** Est. 2018 • 18 employees

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

- 

### [Redw Wealth LLC](https://planprovider.pro/provider/redw-wealth-llc)

Plan Advisor

Albuquerque, NM

**Stats:** $896M under management

**Company:** Est. 1997

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

- 

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

Plan Advisor

South Burlington, VT

**Stats:** $895M under management

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

- 

### [Capital Investment Counsel INC](https://planprovider.pro/provider/capital-investment-counsel-inc)

Plan Advisor

Denver, CO

**Stats:** $889M under management

[View Profile](https://planprovider.pro/provider/capital-investment-counsel-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=6)

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