# Top 401(k) Plan Advisors
Source: https://planprovider.pro/plan-advisors/401k?page=11

> Top Advisors by AUM who provide 3(21) or 3(38) services.

Elevate your company's retirement benefits by partnering with Top 401(k) Plan Advisors. A skilled advisor acts as a critical fiduciary partner, helping to benchmark fees, optimize investment lineups, and drive employee financial wellness. Explore our directory to find accredited retirement consultants and investment managers dedicated to helping you meet your fiduciary obligations and maximize plan success.

Browse 542 providers in this category.

## Provider ranking

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### [The Genwealth Group, Inc.](https://planprovider.pro/provider/the-genwealth-group-inc)

Plan Advisor

Maplewood, NJ

**Stats:** $484M under management

**Company:** Est. 2008 • 8 employees

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

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### [Hobbs Group Advisors LLC](https://planprovider.pro/provider/hobbs-group-advisors-llc)

Plan Advisor

Columbia, SC

**Stats:** $479M under management

**Company:** Est. 2007 • 9 employees

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

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

Plan Advisor

Portland, ME

**Stats:** $476M under management

**Company:** Est. 2007

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

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### [Kooman & Associates](https://planprovider.pro/provider/kooman-and-associates)

Plan Advisor

Altoona, PA

**Stats:** $472M under management

**Company:** Est. 2011

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

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

Plan Advisor

Greenwood, SC

**Stats:** $470M under management

**Company:** Est. 2015

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

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### [Aegis Financial](https://planprovider.pro/provider/aegis-financial)

Plan Advisor

Phoenix, AZ

**Stats:** $468M under management

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

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

Plan Advisor

Prospect, CT

**Stats:** $464M under management

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

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### [Stewardship Advisors, LLC](https://planprovider.pro/provider/stewardship-advisors-llc)

Plan Advisor

Mount Joy, PA

**Stats:** $462M under management

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

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

Plan Advisor

Lewes, DE

**Stats:** $455M under management

**Company:** Est. 2008

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

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

Plan Advisor

Carmel By The Sea, CA

**Stats:** $455M under management

**Company:** Est. 2021

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

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### [Capitol Private Wealth Group LLC](https://planprovider.pro/provider/capitol-private-wealth-group-llc)

Plan Advisor

Vienna, VA

**Stats:** $451M under management

**Company:** Est. 2016

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

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### [Robinson Smith Wealth Advisors, LLC](https://planprovider.pro/provider/robinson-smith-wealth-advisors-llc)

Plan Advisor

South Portland, ME

**Stats:** $445M under management

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

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### [Rps Retirement Plan Advisors](https://planprovider.pro/provider/rps-retirement-plan-advisors)

Plan Advisor

Austin, TX

**Stats:** $444M under management

**Company:** Est. 2010

[View Profile](https://planprovider.pro/provider/rps-retirement-plan-advisors)

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### [Prosperity Wealth Management, Inc.](https://planprovider.pro/provider/prosperity-wealth-management-inc)

Plan Advisor

Overland Park, KS

**Stats:** $442M under management

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

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### [Pure Portfolios](https://planprovider.pro/provider/pure-portfolios)

Plan Advisor

Lake Oswego, OR

**Stats:** $437M under management

[View Profile](https://planprovider.pro/provider/pure-portfolios)

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### [Fyra Capital Management](https://planprovider.pro/provider/fyra-capital-management)

Plan Advisor

Saint Charles, MO

**Stats:** $437M under management

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

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### [Holderness Investments CO](https://planprovider.pro/provider/holderness-investments-co)

Plan Advisor

Greensboro, NC

**Stats:** $434M under management

**Company:** Est. 1995

[View Profile](https://planprovider.pro/provider/holderness-investments-co)

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### [Ruedi Wealth Management, Inc.](https://planprovider.pro/provider/ruedi-wealth-management-inc)

Plan Advisor

Champaign, IL

**Stats:** $432M under management

**Company:** Est. 2014

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

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### [Physicians Financial Services, Inc.](https://planprovider.pro/provider/physicians-financial-services-inc)

Plan Advisor

Omaha, NE

**Stats:** $432M under management

**Company:** Est. 1990

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

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

Plan Advisor

Madison, WI

**Stats:** $431M under management

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

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### [Delta Financial Advisors, L.l.c.](https://planprovider.pro/provider/delta-financial-advisors-llc)

Plan Advisor

New Orleans, LA

**Stats:** $429M under management

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

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### [Maryland Capital Advisors, Inc.](https://planprovider.pro/provider/maryland-capital-advisors-inc)

Plan Advisor

Chester, MD

**Stats:** $429M under management

**Company:** Est. 1997

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

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### [Prudeo Partners, LLC](https://planprovider.pro/provider/prudeo-partners-llc)

Plan Advisor

West Columbia, SC

**Stats:** $425M under management

**Company:** Est. 2000

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

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

Plan Advisor

Boca Raton, FL

**Stats:** $425M under management

**Company:** Est. 2021

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

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

Plan Advisor

Raleigh, NC

**Stats:** $419M under management

**Company:** Est. 2021

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

## Why Your Business Needs a Specialized Retirement Plan Advisor

Managing a 401(k) plan involves significant legal and financial responsibilities that go far beyond simple administrative tasks. While many generalist financial advisors may offer to manage a company retirement plan, specialized 401(k) plan advisors bring a distinct set of skills necessary for navigating the Employee Retirement Income Security Act (ERISA). A qualified advisor serves as a buffer between the plan sponsor and regulatory liability, ensuring that the investment lineup is prudent, fees are reasonable, and the plan remains compliant with Department of Labor regulations. By partnering with a dedicated specialist, business owners can focus on their core operations while ensuring their employees have a robust vehicle for retirement savings.

### [3(21) vs. 3(38) Fiduciaries: Understanding the Difference](https://planprovider.pro/blog/3-38-vs-3-21-fiduciary)

One of the most critical decisions a plan sponsor must make is determining the level of liability they wish to delegate. This is often defined by the type of fiduciary status the advisor assumes:

- **ERISA 3(21) Co-Fiduciary:** Under this arrangement, the advisor provides investment recommendations and research, but the plan sponsor retains the final authority—and ultimately the liability—for accepting or rejecting those recommendations. This is a partnership model where the advisor "helps" you decide.

- **ERISA 3(38) Investment Manager:** A 3(38) advisor assumes full discretion and control over the investment selection and monitoring. In this scenario, the plan sponsor effectively delegates the investment liability to the advisor. For sponsors looking to minimize their fiduciary risk exposure, hiring a 3(38) manager is often the preferred strategy.

### Investment Policy Statements and Fee Benchmarking

A primary role of a plan advisor is to help the investment committee draft and maintain an Investment Policy Statement (IPS). This governing document outlines how plan assets are selected, monitored, and replaced. Without a solid IPS, plan sponsors are vulnerable during audits or legal challenges. Furthermore, advisors are instrumental in fee benchmarking. They review the 408(b)(2) fee disclosures to ensure that the costs charged by recordkeepers and [401(k) auditors](https://planprovider.pro/auditors/401k) are reasonable relative to the services provided. If fees are found to be excessive, a proactive advisor will negotiate with vendors or lead a Request for Proposal (RFP) process to find better pricing.

### Coordinating with Legal and Compliance Teams

Great advisors do not work in a silo; they coordinate with other service providers to ensure holistic plan health. For example, if a plan requires a complex redesign to pass non-discrimination testing, the advisor often collaborates with [ERISA attorneys](https://planprovider.pro/erisa-attorneys) to ensure the new plan document meets all legal standards. Whether you are running a startup plan or a large corporate plan with millions in assets, selecting the right advisor is the cornerstone of a successful [retirement plan](https://planprovider.pro/retirement-plans) strategy.

[View full interactive listing on PlanProvider.Pro](https://planprovider.pro/plan-advisors/401k?page=11)

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