# Top 401(k) Plan Advisors Source: https://planprovider.pro/plan-advisors/401k?page=16 > 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 - ### [Teeple Wealth Management, LLC](https://planprovider.pro/provider/teeple-wealth-management-llc) Plan Advisor Brownsburg, IN **Stats:** $250M under management **Company:** Est. 2022 [View Profile](https://planprovider.pro/provider/teeple-wealth-management-llc) - ### [Wealthcrest Financial Services, LLC](https://planprovider.pro/provider/wealthcrest-financial-services-llc) Plan Advisor Springfield, VA **Stats:** $250M under management **Company:** Est. 2017 [View Profile](https://planprovider.pro/provider/wealthcrest-financial-services-llc) - ### [Wilon Wealth Management](https://planprovider.pro/provider/wilon-wealth-management) Plan Advisor Urbandale, IA **Stats:** $250M under management [View Profile](https://planprovider.pro/provider/wilon-wealth-management) - ### [Marmo Financial Group, LLC](https://planprovider.pro/provider/marmo-financial-group-llc) Plan Advisor Johnson City, TN **Stats:** $249M under management **Company:** Est. 2007 [View Profile](https://planprovider.pro/provider/marmo-financial-group-llc) - ### [Lees Monsour Group](https://planprovider.pro/provider/lees-monsour-group) Plan Advisor Shreveport, LA **Stats:** $248M under management [View Profile](https://planprovider.pro/provider/lees-monsour-group) - ### [Windward Wealth Strategies, Inc.](https://planprovider.pro/provider/windward-wealth-strategies-inc) Plan Advisor Oshkosh, WI **Stats:** $248M under management **Company:** Est. 2015 [View Profile](https://planprovider.pro/provider/windward-wealth-strategies-inc) - ### [Guardian Asset Advisors, LLC](https://planprovider.pro/provider/guardian-asset-advisors-llc) Plan Advisor Mechanicsburg, PA **Stats:** $246M under management **Company:** Est. 2000 [View Profile](https://planprovider.pro/provider/guardian-asset-advisors-llc) - ### [Pks Investment Advisors LLC](https://planprovider.pro/provider/pks-investment-advisors-llc) Plan Advisor Salisbury, MD **Stats:** $242M under management [View Profile](https://planprovider.pro/provider/pks-investment-advisors-llc) - ### [Mendel Capital Management, LLC](https://planprovider.pro/provider/mendel-capital-management-llc) Plan Advisor Little Rock, AR **Stats:** $241M under management **Company:** Est. 1990 [View Profile](https://planprovider.pro/provider/mendel-capital-management-llc) - ### [Creekside Capital, Inc.](https://planprovider.pro/provider/creekside-capital-inc) Plan Advisor Knoxville, TN **Stats:** $240M under management [View Profile](https://planprovider.pro/provider/creekside-capital-inc) - ### [Capstone Wealth Management Group, LLC](https://planprovider.pro/provider/capstone-wealth-management-group-llc) Plan Advisor Dunmore, PA **Stats:** $239M under management [View Profile](https://planprovider.pro/provider/capstone-wealth-management-group-llc) - ### [Valley Financial Group](https://planprovider.pro/provider/valley-financial-group) Plan Advisor Ambler, PA **Stats:** $238M under management [View Profile](https://planprovider.pro/provider/valley-financial-group) - ### [Pca Investment Advisory Services, Inc.](https://planprovider.pro/provider/pca-investment-advisory-services-inc) Plan Advisor Cincinnati, OH **Stats:** $237M under management **Company:** Est. 2006 [View Profile](https://planprovider.pro/provider/pca-investment-advisory-services-inc) - ### [Luken Investment Analytics, LLC](https://planprovider.pro/provider/luken-investment-analytics-llc) Plan Advisor Brentwood, TN **Stats:** $237M under management [View Profile](https://planprovider.pro/provider/luken-investment-analytics-llc) - ### [Wrenne Financial Planning LLC](https://planprovider.pro/provider/wrenne-financial-planning-llc) Plan Advisor Lexington, KY **Stats:** $231M under management [View Profile](https://planprovider.pro/provider/wrenne-financial-planning-llc) - ### [Sanctuary Wealth Management, LLC](https://planprovider.pro/provider/sanctuary-wealth-management-llc) Plan Advisor Pocatello, ID **Stats:** $229M under management **Company:** 11 employees [View Profile](https://planprovider.pro/provider/sanctuary-wealth-management-llc) - ### [Westview Investment Advisors](https://planprovider.pro/provider/westview-investment-advisors) Plan Advisor Burlington, VT **Stats:** $229M under management **Company:** Est. 2019 [View Profile](https://planprovider.pro/provider/westview-investment-advisors) - ### [Tyner Capital Management Investment Counsel, Inc.](https://planprovider.pro/provider/tyner-capital-management-investment-counsel-inc) Plan Advisor Bridgeport, TN **Stats:** $228M under management [View Profile](https://planprovider.pro/provider/tyner-capital-management-investment-counsel-inc) - ### [Slocum, Gordon & Co. LLP](https://planprovider.pro/provider/slocum-gordon-and-co-llp) Plan Advisor Newport, RI **Stats:** $225M under management **Company:** Est. 1978 [View Profile](https://planprovider.pro/provider/slocum-gordon-and-co-llp) - ### [Clarity Asset Management, Inc.](https://planprovider.pro/provider/clarity-asset-management-inc) Plan Advisor Gilbert, AZ **Stats:** $222M under management [View Profile](https://planprovider.pro/provider/clarity-asset-management-inc) - ### [Peterson Wealth Management, LLC](https://planprovider.pro/provider/peterson-wealth-management-llc) Plan Advisor Sparks, NV **Stats:** $222M under management **Company:** Est. 2019 [View Profile](https://planprovider.pro/provider/peterson-wealth-management-llc) - ### [Dreher Investment Services, Inc.](https://planprovider.pro/provider/dreher-investment-services-inc) Plan Advisor San Angelo, TX **Stats:** $221M under management [View Profile](https://planprovider.pro/provider/dreher-investment-services-inc) - ### [Ledgewood Wealth Advisors, LLC](https://planprovider.pro/provider/ledgewood-wealth-advisors-llc) Plan Advisor Exeter, NH **Stats:** $217M under management [View Profile](https://planprovider.pro/provider/ledgewood-wealth-advisors-llc) - ### [Prairie Rivers Investments, LLC](https://planprovider.pro/provider/prairie-rivers-investments-llc) Plan Advisor Robinson, IL **Stats:** $216M under management **Company:** Est. 1984 [View Profile](https://planprovider.pro/provider/prairie-rivers-investments-llc) - ### [Cutter Financial Group LLC](https://planprovider.pro/provider/cutter-financial-group-llc) Plan Advisor Falmouth, MA **Stats:** $215M under management **Company:** 2 employees [View Profile](https://planprovider.pro/provider/cutter-financial-group-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=16) © 2026 PlanProvider.Pro