# Top 401(k) Plan Advisors
Source: https://planprovider.pro/plan-advisors/401k?page=18

> 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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### [Gentry Private Wealth](https://planprovider.pro/provider/gentry-private-wealth)

Plan Advisor

Wichita, KS

**Stats:** $166M under management

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

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

Plan Advisor

Placerville, CA

**Stats:** $164M under management

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

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### [3rd Creek Investments](https://planprovider.pro/provider/3rd-creek-investments)

Plan Advisor

Incline Village, NV

**Stats:** $163M under management

[View Profile](https://planprovider.pro/provider/3rd-creek-investments)

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

Plan Advisor

Charlotte, NC

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

**Stats:** $162M under management

**Company:** Est. 2019 • 5 employees

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

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### [Baybridge Capital Group, LLC](https://planprovider.pro/provider/baybridge-capital-group-llc)

Plan Advisor

Pleasanton, CA

**Stats:** $162M under management

**Company:** Est. 2016 • 25 employees

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

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### [Jms Capital Group Wealth Services, LLC](https://planprovider.pro/provider/jms-capital-group-wealth-services-llc)

Plan Advisor

Sewickley, PA

**Stats:** $161M under management

[View Profile](https://planprovider.pro/provider/jms-capital-group-wealth-services-llc)

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### [Pittsburgh Financial Planners, Inc.](https://planprovider.pro/provider/pittsburgh-financial-planners-inc)

Plan Advisor

Bridgeville, PA

**Stats:** $161M under management

**Company:** Est. 2022

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

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### [Smi Advisory Services, LLC](https://planprovider.pro/provider/smi-advisory-services-llc)

Plan Advisor

Columbus, IN

**Stats:** $160M under management

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

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### [Wabash Capital, Inc.](https://planprovider.pro/provider/wabash-capital-inc)

Plan Advisor

Terre Haute, IN

**Stats:** $158M under management

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

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### [Avant Capital, LLC](https://planprovider.pro/provider/avant-capital-llc)

Plan Advisor

Lafayette, LA

**Stats:** $155M under management

**Company:** Est. 2022

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

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### [J.m. Arbour, LLC](https://planprovider.pro/provider/jm-arbour-llc)

Plan Advisor

Hallowell, ME

**Stats:** $154M under management

[View Profile](https://planprovider.pro/provider/jm-arbour-llc)

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### [Dreher Financial Partners](https://planprovider.pro/provider/dreher-financial-partners)

Plan Advisor

Southern Pines, NC

**Stats:** $148M under management

[View Profile](https://planprovider.pro/provider/dreher-financial-partners)

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### [Water Street Financial LLC](https://planprovider.pro/provider/water-street-financial-llc)

Plan Advisor

Winchester, VA

**Stats:** $147M under management

**Company:** 5 employees

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

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### [Accordant Advisory Group, Inc.](https://planprovider.pro/provider/accordant-advisory-group-inc)

Plan Advisor

Annapolis, MD

**Stats:** $147M under management

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

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### [Outfitter Financial](https://planprovider.pro/provider/outfitter-financial)

Plan Advisor

Brunswick, ME

**Stats:** $146M under management

**Company:** Est. 2018 • 4 employees

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

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### [James I. Black & Company](https://planprovider.pro/provider/james-i-black-and-company)

Plan Advisor

Lakeland, FL

**Stats:** $143M under management

**Company:** Est. 1964

[View Profile](https://planprovider.pro/provider/james-i-black-and-company)

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### [Guidance Capital, Inc.](https://planprovider.pro/provider/guidance-capital-inc)

Plan Advisor

Louisville, KY

**Stats:** $142M under management

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

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

Plan Advisor

Leawood, KS

**Stats:** $142M under management

**Company:** Est. 2006

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

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### [Price Financial Group Wealth Management, Inc.](https://planprovider.pro/provider/price-financial-group-wealth-management-inc)

Plan Advisor

Beaverton, OR

**Stats:** $141M under management

**Company:** Est. 2004

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

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### [Bright Investments, LLC](https://planprovider.pro/provider/bright-investments-llc)

Plan Advisor

Auburn, AL

**Stats:** $140M under management

**Company:** Est. 2015

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

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### [Allison Investment Management, LLC](https://planprovider.pro/provider/allison-investment-management-llc)

Plan Advisor

Columbia, SC

**Stats:** $138M under management

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

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

Plan Advisor

Chattanooga, TN

**Stats:** $137M under management

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

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### [Four Quadrant Wealth Advisors, Inc.](https://planprovider.pro/provider/four-quadrant-wealth-advisors-inc)

Plan Advisor

Carmel, IN

**Stats:** $135M under management

**Company:** Est. 2004

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

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### [Hahn Financial Group](https://planprovider.pro/provider/hahn-financial-group)

Plan Advisor

Sioux Falls, SD

**Stats:** $134M under management

**Company:** Est. 2012

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

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### [Pinnacle Asset Management Group, Corporation (inc.)](https://planprovider.pro/provider/pinnacle-asset-management-group-corporation-inc)

Plan Advisor

Roseville, CA

**Stats:** $132M under management

[View Profile](https://planprovider.pro/provider/pinnacle-asset-management-group-corporation-inc)

## 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=18)

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