# Top 401(k) Plan Advisors
Source: https://planprovider.pro/plan-advisors/401k?page=14

> 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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### [Rooted Wealth Advisors](https://planprovider.pro/provider/rooted-wealth-advisors)

Plan Advisor

Bourbonnais, IL

**Stats:** $318M under management

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

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### [Resolute Wealth Strategies, LLC](https://planprovider.pro/provider/resolute-wealth-strategies-llc)

Plan Advisor

Jackson, MS

**Stats:** $316M under management

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

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

Plan Advisor

Corona, CA

**Stats:** $315M under management

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

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

Plan Advisor

Charlottesville, VA

**Stats:** $313M under management

**Company:** Est. 2015

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

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### [Dibenedetto & Associates LTD](https://planprovider.pro/provider/dibenedetto-and-associates-ltd)

Plan Advisor

Loves Park, IL

**Stats:** $313M under management

**Company:** Est. 1980 • 3 employees

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

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### [Hoxton Planning & Management, LLC](https://planprovider.pro/provider/hoxton-planning-and-management-llc)

Plan Advisor

Shepherdstown, WV

**Stats:** $307M under management

**Company:** Est. 2022

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

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### [Prudent Street Financial Advisors, LLC](https://planprovider.pro/provider/prudent-street-financial-advisors-llc)

Plan Advisor

Brentwood, TN

**Stats:** $303M under management

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

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### [Beacon Bridge Wealth Partners, LLC](https://planprovider.pro/provider/beacon-bridge-wealth-partners-llc)

Plan Advisor

Lower Gwynedd, PA

**Stats:** $301M under management

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

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

Plan Advisor

St. Petersburg, FL

**Stats:** $301M under management

**Company:** Est. 2023

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

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### [Vestbridge Advisors, INC](https://planprovider.pro/provider/vestbridge-advisors-inc)

Plan Advisor

Egg Harbor Township, NJ

**Stats:** $301M under management

**Company:** Est. 2021

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

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### [James T. Borello & Co.](https://planprovider.pro/provider/james-t-borello-and-co)

Plan Advisor

East Dundee, IL

**Stats:** $300M under management

[View Profile](https://planprovider.pro/provider/james-t-borello-and-co)

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### [Carter Financial Group, Inc.](https://planprovider.pro/provider/carter-financial-group-inc)

Plan Advisor

Barrington, IL

**Stats:** $298M under management

**Company:** Est. 2002

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

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### [Enhancing Capital LLC](https://planprovider.pro/provider/enhancing-capital-llc)

Plan Advisor

Harrisburg, PA

**Stats:** $298M under management

**Company:** Est. 2017

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

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

Plan Advisor

Gaithersburg, MD

**Stats:** $296M under management

**Company:** Est. 2008

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

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### [Antoine Williams & Associates Wealth Management, LLC](https://planprovider.pro/provider/antoine-williams-and-associates-wealth-management-llc)

Plan Advisor

Shelburne, VT

**Stats:** $295M under management

**Company:** Est. 2021

[View Profile](https://planprovider.pro/provider/antoine-williams-and-associates-wealth-management-llc)

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

Plan Advisor

Waterville, ME

**Stats:** $294M under management

**Company:** Est. 2018

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

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

Plan Advisor

Denver, CO

**Stats:** $293M under management

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

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### [Up North Financial, LLC](https://planprovider.pro/provider/up-north-financial-llc)

Plan Advisor

Traverse City, MI

**Stats:** $285M under management

**Company:** Est. 2009

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

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

Plan Advisor

Windham, NH

**Stats:** $285M under management

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

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### [Pace Financial Advisors](https://planprovider.pro/provider/pace-financial-advisors)

Plan Advisor

Hillsboro, OR

**Stats:** $284M under management

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

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### [Joel Adams And Associates Inc.](https://planprovider.pro/provider/joel-adams-and-associates-inc)

Plan Advisor

Asheville, NC

**Stats:** $282M under management

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

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### [Farrow Financial INC](https://planprovider.pro/provider/farrow-financial-inc)

Plan Advisor

South Burlington, VT

**Stats:** $280M under management

**Company:** Est. 1981

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

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

Plan Advisor

Miamisburg, OH

**Stats:** $279M under management

**Company:** Est. 2019

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

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

Plan Advisor

Albemarle, NC

**Stats:** $278M under management

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

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### [Beacon Financial Strategies Corp.](https://planprovider.pro/provider/beacon-financial-strategies-corp)

Plan Advisor

Raleigh, NC

**Stats:** $277M under management

**Company:** Est. 2004

[View Profile](https://planprovider.pro/provider/beacon-financial-strategies-corp)

## 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=14)

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