# Find 3(21) Investment Advisors
Source: https://planprovider.pro/3-21-investment-advisors?page=7

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

Plan Advisor

Ligonier, PA

**Stats:** $886M under management

**Company:** Est. 2003

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

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### [First Kentucky Securities CORP](https://planprovider.pro/provider/first-kentucky-securities-corp)

Plan Advisor

Louisville, KY

**Stats:** $861M under management

**Company:** Est. 1977

[View Profile](https://planprovider.pro/provider/first-kentucky-securities-corp)

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

Plan Advisor

Fresno, CA

**Stats:** $860M under management

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

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### [Pacific Sage Partners, LLC](https://planprovider.pro/provider/pacific-sage-partners-llc)

Plan Advisor

Edmonds, WA

**Stats:** $858M under management

**Company:** Est. 2021

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

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### [Pettyjohn, Wood & White, Inc.](https://planprovider.pro/provider/pettyjohn-wood-and-white-inc)

Plan Advisor

Lynchburg, VA

**Stats:** $854M under management

**Company:** Est. 1978

[View Profile](https://planprovider.pro/provider/pettyjohn-wood-and-white-inc)

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### [Morris & Wells Wealth Management](https://planprovider.pro/provider/morris-and-wells-wealth-management)

Plan Advisor

Charlottesville, VA

**Stats:** $854M under management

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

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

Plan Advisor

San Francisco, CA

**Stats:** $843M under management

**Company:** Est. 2017

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

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

Plan Advisor

Des Moines, IA

**Stats:** $840M under management

**Company:** Est. 2010

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

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### [Studio Investment Management](https://planprovider.pro/provider/studio-investment-management)

Plan Advisor

Chicago, IL

**Stats:** $832M under management

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

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### [Verum Partners LLC](https://planprovider.pro/provider/verum-partners-llc)

Plan Advisor

Charlotte, NC

**Stats:** $828M under management

**Company:** Est. 2019

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

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### [Vestia Personal Wealth Advisors](https://planprovider.pro/provider/vestia-personal-wealth-advisors)

Plan Advisor

Fort Wayne, IN

**Stats:** $827M under management

**Company:** Est. 2018 • 23 employees

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

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### [Mps-loria Financial Planners,llc](https://planprovider.pro/provider/mps-loria-financial-plannersllc)

Plan Advisor

Burr Ridge, IL

**Stats:** $827M under management

**Company:** Est. 1999

[View Profile](https://planprovider.pro/provider/mps-loria-financial-plannersllc)

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### [Klaas Financial Asset Advisors, Llc.](https://planprovider.pro/provider/klaas-financial-asset-advisors-llc)

Plan Advisor

Loves Park, IL

**Stats:** $817M under management

**Company:** Est. 2002

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

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### [Bcs Wealth Managment, LLC](https://planprovider.pro/provider/bcs-wealth-managment-llc)

Plan Advisor

Johnson City, TN

**Stats:** $812M under management

**Company:** Est. 1998

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

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### [Balboa Wealth Partners, Inc.](https://planprovider.pro/provider/balboa-wealth-partners-inc)

Plan Advisor

Newport Beach, CA

**Stats:** $805M under management

**Company:** Est. 2015 • 22 employees

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

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### [Wealth Alliance Advisory Group, LLC](https://planprovider.pro/provider/wealth-alliance-advisory-group-llc)

Plan Advisor

Wichita, KS

**Stats:** $804M under management

**Company:** Est. 2017

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

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### [Asset Planning Services INC](https://planprovider.pro/provider/asset-planning-services-inc)

Plan Advisor

**Stats:** $800M under management

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

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### [Freegulliver, LLC](https://planprovider.pro/provider/freegulliver-llc)

Plan Advisor

New Orleans, LA

**Stats:** $798M under management

**Company:** Est. 2001

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

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### [Midwest Capital Advisors LLC](https://planprovider.pro/provider/midwest-capital-advisors-llc)

Plan Advisor

Grand Rapids, MI

**Credentials:** AIF® - Accredited Investment Fiduciary • CFP® - Certified Financial Planner • CPFA® - Certified Plan Fiduciary Advisor • +2 more

**Stats:** 59 clients • $798M under management

**Company:** Est. 2003 • 9 employees

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

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

Plan Advisor

Manchester, NH

**Stats:** $791M under management

**Company:** Est. 1992 • 8 employees

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

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### [Lesko Securities, Inc.](https://planprovider.pro/provider/lesko-securities-inc)

Plan Advisor

Vestal, NY

**Stats:** $782M under management

[View Profile](https://planprovider.pro/provider/lesko-securities-inc)

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### [Wisdom Financial Services, L.l.c.](https://planprovider.pro/provider/wisdom-financial-services-llc)

Plan Advisor

Geneseo, IL

**Stats:** $779M under management

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

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

Plan Advisor

Ashton, MD

**Stats:** $774M under management

**Company:** Est. 1988

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

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

Plan Advisor

Durham, NC

**Stats:** $754M under management

**Company:** Est. 1993

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

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### [Bridgewealth Advisory Group, LLC](https://planprovider.pro/provider/bridgewealth-advisory-group-llc)

Plan Advisor

**Stats:** $740M under management

**Company:** Est. 2018

[View Profile](https://planprovider.pro/provider/bridgewealth-advisory-group-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=7)

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