# Top 401(k) Plan Advisors
Source: https://planprovider.pro/plan-advisors/401k?page=13

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

Plan Advisor

Charlottesville, VA

**Stats:** $364M under management

**Company:** Est. 2011

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

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### [H. L. Ormond & Company, LLC](https://planprovider.pro/provider/h-l-ormond-and-company-llc)

Plan Advisor

Greenville, NC

**Stats:** $360M under management

**Company:** Est. 2010

[View Profile](https://planprovider.pro/provider/h-l-ormond-and-company-llc)

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### [Whitener Capital Management, INC](https://planprovider.pro/provider/whitener-capital-management-inc)

Plan Advisor

Rocky Mount, NC

**Stats:** $357M under management

**Company:** Est. 1987

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

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### [Heacock & Jones Financial Services, Inc.](https://planprovider.pro/provider/heacock-and-jones-financial-services-inc)

Plan Advisor

Dubuque, IA

**Stats:** $355M under management

**Company:** Est. 2000

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

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### [Bright Road Wealth Management, LLC](https://planprovider.pro/provider/bright-road-wealth-management-llc)

Plan Advisor

Anchorage, AK

**Credentials:** CFP® - Certified Financial Planner • RIA - Registered Investment Advisor • Other

**Stats:** $350M under management

**Company:** Est. 2016 • 10 employees

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

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### [Hibernia Wealth Partners, LLC](https://planprovider.pro/provider/hibernia-wealth-partners-llc)

Plan Advisor

Baton Rouge, LA

**Stats:** $347M under management

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

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

Plan Advisor

Grand Rapids, MI

**Stats:** $346M under management

**Company:** 4 employees

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

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

Plan Advisor

Jupiter, FL

**Stats:** $346M under management

**Company:** Est. 2012

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

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### [Great River Financial](https://planprovider.pro/provider/great-river-financial)

Plan Advisor

Plymouth, MN

**Stats:** $344M under management

**Company:** Est. 2021

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

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### [Mighty Oak Strong America Investment Company](https://planprovider.pro/provider/mighty-oak-strong-america-investment-company)

Plan Advisor

Mechanicsburg, PA

**Stats:** $340M under management

**Company:** Est. 2002

[View Profile](https://planprovider.pro/provider/mighty-oak-strong-america-investment-company)

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

Plan Advisor

Baton Rouge, LA

**Stats:** $340M under management

**Company:** Est. 1997 • 5 employees

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

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### [Cornerstone Financial Planning, LLC](https://planprovider.pro/provider/cornerstone-financial-planning-llc)

Plan Advisor

Portland, ME

**Stats:** $336M under management

**Company:** Est. 2016 • 7 employees

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

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### [The Retirement Planning Company Of New England, Inc.](https://planprovider.pro/provider/the-retirement-planning-company-of-new-england-inc)

Plan Advisor

Warwick, RI

**Stats:** $336M under management

**Company:** Est. 1998

[View Profile](https://planprovider.pro/provider/the-retirement-planning-company-of-new-england-inc)

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### [Watershed Private Wealth LLC](https://planprovider.pro/provider/watershed-private-wealth-llc)

Plan Advisor

Oak Brook, IL

**Stats:** $333M under management

**Company:** Est. 2021

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

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### [Smith Financial Investment Advisors, Inc.](https://planprovider.pro/provider/smith-financial-investment-advisors-inc)

Plan Advisor

Kokomo, IN

**Stats:** $333M under management

**Company:** Est. 2010 • 5 employees

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

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

Plan Advisor

Lexington, KY

**Stats:** $330M under management

**Company:** Est. 2010

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

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### [Andesa Financial Management, Inc.](https://planprovider.pro/provider/andesa-financial-management-inc)

Plan Advisor

Allentown, PA

**Stats:** $330M under management

**Company:** Est. 2004

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

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### [Cannon Capital Management, Inc.](https://planprovider.pro/provider/cannon-capital-management-inc)

Plan Advisor

Cottonwood Heights, UT

**Stats:** $329M under management

**Company:** Est. 2008 • 8 employees

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

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### [Goepper Burkhardt LLC](https://planprovider.pro/provider/goepper-burkhardt-llc)

Plan Advisor

Greenville, SC

**Stats:** $326M under management

**Company:** Est. 2003

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

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

Plan Advisor

Savoy, IL

**Stats:** $326M under management

**Company:** Est. 2019

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

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### [Busey Capital Management, Inc.](https://planprovider.pro/provider/busey-capital-management-inc)

Plan Advisor

Urbana, IL

**Stats:** $325M under management

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

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

Plan Advisor

Oakhurst, CA

**Stats:** $323M under management

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

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

Plan Advisor

Louisville, KY

**Stats:** $322M under management

**Company:** Est. 2015

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

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### [Montvue Capital Management, Inc.](https://planprovider.pro/provider/montvue-capital-management-inc)

Plan Advisor

Lynchburg, VA

**Stats:** $321M under management

**Company:** Est. 1999

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

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### [Excel Financial, LLC](https://planprovider.pro/provider/excel-financial-llc)

Plan Advisor

Red Wing, MN

**Stats:** $320M under management

**Company:** Est. 2008

[View Profile](https://planprovider.pro/provider/excel-financial-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=13)

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