# Top 401(k) Plan Advisors
Source: https://planprovider.pro/plan-advisors/401k?page=17

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

Plan Advisor

New Hope, PA

**Stats:** $214M under management

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

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### [Cannon Wealth Management Services](https://planprovider.pro/provider/cannon-wealth-management-services)

Plan Advisor

Winston Salem, NC

**Stats:** $213M under management

**Company:** Est. 2002 • 11 employees

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

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

Plan Advisor

Mountainside, NJ

**Stats:** $213M under management

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

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### [Lombard Advisers Incorporated](https://planprovider.pro/provider/lombard-advisers-incorporated)

Plan Advisor

Baltimore, MD

**Stats:** $202M under management

[View Profile](https://planprovider.pro/provider/lombard-advisers-incorporated)

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### [Values First Advisors, Inc.](https://planprovider.pro/provider/values-first-advisors-inc)

Plan Advisor

Johnson City, TN

**Stats:** $202M under management

**Company:** Est. 2009 • 13 employees

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

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

Plan Advisor

Camp Hill, PA

**Stats:** $200M under management

**Company:** Est. 1992

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

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### [West Chester Capital Advisors INC](https://planprovider.pro/provider/west-chester-capital-advisors-inc)

Plan Advisor

Johnstown, PA

**Stats:** $198M under management

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

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### [Schultz Financial Group Incorporated](https://planprovider.pro/provider/schultz-financial-group-incorporated)

Plan Advisor

Reno, NV

**Stats:** $196M under management

**Company:** 6 employees

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

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### [Westhampton Capital](https://planprovider.pro/provider/westhampton-capital)

Plan Advisor

Winston-Salem, NC

**Stats:** $193M under management

**Company:** Est. 1998

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

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### [Fortune 45, Llc.](https://planprovider.pro/provider/fortune-45-llc)

Plan Advisor

Gonzales, LA

**Stats:** $189M under management

[View Profile](https://planprovider.pro/provider/fortune-45-llc)

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### [Rembrandt Financial Group LLC](https://planprovider.pro/provider/rembrandt-financial-group-llc)

Plan Advisor

Austin, TX

**Stats:** $189M under management

**Company:** Est. 2004

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

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### [Ch Douglas & Gray Wealth Management](https://planprovider.pro/provider/ch-douglas-and-gray-wealth-management)

Plan Advisor

Indianapolis, IN

**Stats:** $187M under management

**Company:** Est. 2007

[View Profile](https://planprovider.pro/provider/ch-douglas-and-gray-wealth-management)

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### [Burkholder & Associates, LLC](https://planprovider.pro/provider/burkholder-and-associates-llc)

Plan Advisor

Chevy Chase, MD

**Stats:** $187M under management

**Company:** Est. 2013

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

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### [Client First Investment Management LLC](https://planprovider.pro/provider/client-first-investment-management-llc)

Plan Advisor

West Bend, WI

**Stats:** $184M under management

[View Profile](https://planprovider.pro/provider/client-first-investment-management-llc)

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### [Snavely Associates Financial Services](https://planprovider.pro/provider/snavely-associates-financial-services)

Plan Advisor

Lemoyne, PA

**Stats:** $183M under management

**Company:** Est. 1967

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

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

Plan Advisor

Sioux Falls, SD

**Stats:** $182M under management

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

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### [Rayburn West Financial Services](https://planprovider.pro/provider/rayburn-west-financial-services)

Plan Advisor

Nashville, TN

**Stats:** $180M under management

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

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### [Googins Advisors, Inc.](https://planprovider.pro/provider/googins-advisors-inc)

Plan Advisor

Middleton, WI

**Stats:** $178M under management

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

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### [Essential Planning, LLC](https://planprovider.pro/provider/essential-planning-llc)

Plan Advisor

Portsmouth, NH

**Stats:** $178M under management

**Company:** Est. 2002

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

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### [Centennial Wealth Advisory, LLC](https://planprovider.pro/provider/centennial-wealth-advisory-llc)

Plan Advisor

Traverse City, MI

**Stats:** $175M under management

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

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### [Blvd Private Wealth, LLC](https://planprovider.pro/provider/blvd-private-wealth-llc)

Plan Advisor

Prospect, KY

**Stats:** $175M under management

**Company:** Est. 2020

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

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### [Clarity Wealth Development, LLC](https://planprovider.pro/provider/clarity-wealth-development-llc)

Plan Advisor

Corvallis, OR

**Stats:** $171M under management

**Company:** Est. 2010

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

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### [Golden Road Advisors LLC](https://planprovider.pro/provider/golden-road-advisors-llc)

Plan Advisor

Tampa, FL

**Stats:** $170M under management

**Company:** Est. 2013

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

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### [Vines Capital Management, LLC](https://planprovider.pro/provider/vines-capital-management-llc)

Plan Advisor

Monroe, LA

**Stats:** $168M under management

**Company:** Est. 2022

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

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### [Banyan Global Investment Advisors, LLC](https://planprovider.pro/provider/banyan-global-investment-advisors-llc)

Plan Advisor

Boca Raton, FL

**Stats:** $168M under management

**Company:** Est. 2015 • 4 employees

[View Profile](https://planprovider.pro/provider/banyan-global-investment-advisors-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=17)

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