# Top 401(k) Plan Advisors Source: https://planprovider.pro/plan-advisors/401k?page=12 > 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 - ### [Mcclarren Financial Advisors](https://planprovider.pro/provider/mcclarren-financial-advisors) Plan Advisor State College, PA **Stats:** $417M under management [View Profile](https://planprovider.pro/provider/mcclarren-financial-advisors) - ### [Kg&l Capital Management, LLC](https://planprovider.pro/provider/kgandl-capital-management-llc) Plan Advisor Saint Francisville, LA **Stats:** $415M under management [View Profile](https://planprovider.pro/provider/kgandl-capital-management-llc) - ### [Tilia Fiduciary Partners, Inc.](https://planprovider.pro/provider/tilia-fiduciary-partners-inc) Plan Advisor Wilmington, NC **Stats:** $414M under management [View Profile](https://planprovider.pro/provider/tilia-fiduciary-partners-inc) - ### [Mustard Seed Wealth Management](https://planprovider.pro/provider/mustard-seed-wealth-management) Plan Advisor Magnolia, AR **Stats:** $414M under management **Company:** Est. 2002 [View Profile](https://planprovider.pro/provider/mustard-seed-wealth-management) - ### [Macdougall Financial Counseling](https://planprovider.pro/provider/macdougall-financial-counseling) Plan Advisor Delmont, PA **Stats:** $412M under management [View Profile](https://planprovider.pro/provider/macdougall-financial-counseling) - ### [Joule Financial, LLC](https://planprovider.pro/provider/joule-financial-llc) Plan Advisor Lexington, KY **Stats:** $411M under management [View Profile](https://planprovider.pro/provider/joule-financial-llc) - ### [Vancegray Wealth Management, Inc.](https://planprovider.pro/provider/vancegray-wealth-management-inc) Plan Advisor Bangor, ME **Stats:** $409M under management **Company:** Est. 2013 [View Profile](https://planprovider.pro/provider/vancegray-wealth-management-inc) - ### [Asset Planning Corporation](https://planprovider.pro/provider/asset-planning-corporation) Plan Advisor Knoxville, TN **Stats:** $407M under management [View Profile](https://planprovider.pro/provider/asset-planning-corporation) - ### [Ashdon Investment Management, LLC](https://planprovider.pro/provider/ashdon-investment-management-llc) Plan Advisor Tullahoma, TN **Stats:** $403M under management **Company:** Est. 2007 [View Profile](https://planprovider.pro/provider/ashdon-investment-management-llc) - ### [Midwest Heritage Financial Advisors](https://planprovider.pro/provider/midwest-heritage-financial-advisors) Plan Advisor West Des Moines, IA **Stats:** $399M under management [View Profile](https://planprovider.pro/provider/midwest-heritage-financial-advisors) - ### [Sage Private Wealth Group, LLC](https://planprovider.pro/provider/sage-private-wealth-group-llc) Plan Advisor Oakbrook Terrace, IL **Stats:** $395M under management [View Profile](https://planprovider.pro/provider/sage-private-wealth-group-llc) - ### [Eastover Capital Management](https://planprovider.pro/provider/eastover-capital-management) Plan Advisor Charlotte, NC **Stats:** $392M under management **Company:** Est. 1988 [View Profile](https://planprovider.pro/provider/eastover-capital-management) - ### [Quad-cities Investment Group, LLC](https://planprovider.pro/provider/quad-cities-investment-group-llc) Plan Advisor Davenport, IA **Stats:** $390M under management [View Profile](https://planprovider.pro/provider/quad-cities-investment-group-llc) - ### [United Brokerage Services INC](https://planprovider.pro/provider/united-brokerage-services-inc) Plan Advisor Parkersburg, WV **Stats:** $389M under management [View Profile](https://planprovider.pro/provider/united-brokerage-services-inc) - ### [Mccay Wealth Advisory LLC](https://planprovider.pro/provider/mccay-wealth-advisory-llc) Plan Advisor Manchester, TN **Stats:** $385M under management **Company:** Est. 2018 [View Profile](https://planprovider.pro/provider/mccay-wealth-advisory-llc) - ### [Old North State Wealth Management, LLC](https://planprovider.pro/provider/old-north-state-wealth-management-llc) Plan Advisor Wilmington, NC **Stats:** $385M under management [View Profile](https://planprovider.pro/provider/old-north-state-wealth-management-llc) - ### [Wealthpoint Advisors LLC](https://planprovider.pro/provider/wealthpoint-advisors-llc) Plan Advisor Phoenix, AZ **Stats:** $383M under management [View Profile](https://planprovider.pro/provider/wealthpoint-advisors-llc) - ### [Valiant Wealth, LLC](https://planprovider.pro/provider/valiant-wealth-llc) Plan Advisor West Des Moines, IA **Stats:** $382M under management [View Profile](https://planprovider.pro/provider/valiant-wealth-llc) - ### [D. Scott Neal, Inc.](https://planprovider.pro/provider/d-scott-neal-inc) Plan Advisor Lexington, KY **Stats:** $380M under management **Company:** Est. 1995 [View Profile](https://planprovider.pro/provider/d-scott-neal-inc) - ### [Wealthspan Partners, LLC](https://planprovider.pro/provider/wealthspan-partners-llc) Plan Advisor Davenport, IA **Stats:** $379M under management [View Profile](https://planprovider.pro/provider/wealthspan-partners-llc) - ### [Mwa Financial Services, Inc.](https://planprovider.pro/provider/mwa-financial-services-inc) Plan Advisor Rock Island, IL **Stats:** $377M under management **Company:** Est. 2001 [View Profile](https://planprovider.pro/provider/mwa-financial-services-inc) - ### [Prudent Man Investment Management](https://planprovider.pro/provider/prudent-man-investment-management) Plan Advisor Louisville, CO **Stats:** $370M under management **Company:** Est. 1988 [View Profile](https://planprovider.pro/provider/prudent-man-investment-management) - ### [Graham, Bordelon, Golson & Gilbert, Inc.](https://planprovider.pro/provider/graham-bordelon-golson-and-gilbert-inc) Plan Advisor Monroe, LA **Stats:** $370M under management **Company:** Est. 1985 [View Profile](https://planprovider.pro/provider/graham-bordelon-golson-and-gilbert-inc) - ### [Kkm Financial LLC](https://planprovider.pro/provider/kkm-financial-llc) Plan Advisor Chicago, IL **Stats:** $366M under management [View Profile](https://planprovider.pro/provider/kkm-financial-llc) - ### [Second Half Financial Partners, LLC](https://planprovider.pro/provider/second-half-financial-partners-llc) Plan Advisor Latrobe, PA **Stats:** $364M under management [View Profile](https://planprovider.pro/provider/second-half-financial-partners-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=12) © 2026 PlanProvider.Pro