# Top 401(k) Plan Advisors
Source: https://planprovider.pro/plan-advisors/401k?page=21

> 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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### [Echelon Group, Inc.](https://planprovider.pro/provider/echelon-group-inc)

Plan Advisor

Boise, ID

**Credentials:** RIA - Registered Investment Advisor • CFP® - Certified Financial Planner • CEBS® - Certified Employee Benefit Specialist • +1 more

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

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### [Financial Consulate](https://planprovider.pro/provider/financial-consulate)

Plan Advisor

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

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

Plan Advisor

Augusta, GA

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

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### [Forte Capital Group](https://planprovider.pro/provider/forte-capital-group)

Plan Advisor

New York City, NY

**Company:** Est. 2001 • 67 employees

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

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### [Francis LLC](https://planprovider.pro/provider/francis-llc)

Plan Advisor

Brookfield, WI

**Credentials:** CFA® - Chartered Financial Analyst • CFP® - Certified Financial Planner

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

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### [Full Sail Capital, LLC](https://planprovider.pro/provider/full-sail-capital-llc)

Plan Advisor

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

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### [Greenspring Advisors](https://planprovider.pro/provider/greenspring-advisors)

Plan Advisor

Towson, MD

**Credentials:** CFP® - Certified Financial Planner

**Company:** Est. 2004 • 58 employees

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

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

Plan Advisor

Houma, LA

**Company:** Est. 2018

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

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### [Head Investment Partners](https://planprovider.pro/provider/head-investment-partners)

Plan Advisor

Knoxville, TN

[View Profile](https://planprovider.pro/provider/head-investment-partners)

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### [Headwater Investment Consulting,inc.](https://planprovider.pro/provider/headwater-investment-consultinginc)

Plan Advisor

[View Profile](https://planprovider.pro/provider/headwater-investment-consultinginc)

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### [Henderson Brothers Financial Partners](https://planprovider.pro/provider/henderson-brothers-financial-partners)

Plan Advisor

Pittsburgh, PA

**Credentials:** Other • AIF® - Accredited Investment Fiduciary

**Company:** Est. 1893

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

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### [Hilb Group 401k](https://planprovider.pro/provider/hilb-group-401k)

Plan Advisor

Cranston, RI

**Company:** 2,000 employees

[View Profile](https://planprovider.pro/provider/hilb-group-401k)

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

Plan Advisor

San Ramon, CA

**Company:** Est. 1997

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

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### [Jackson Square Financial](https://planprovider.pro/provider/jackson-square-financial)

Plan Advisor

San Francisco, CA

**Credentials:** AIF® - Accredited Investment Fiduciary • ASPPA • Other

**Company:** Est. 1993 • 11 employees

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

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### [John Hancock Personal Financial Services, LLC](https://planprovider.pro/provider/john-hancock-personal-financial-services-llc)

Plan Advisor

[View Profile](https://planprovider.pro/provider/john-hancock-personal-financial-services-llc)

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### [Keudell Morrison Wealth Management, LLC](https://planprovider.pro/provider/keudell-morrison-wealth-management-llc)

Plan Advisor

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

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### [Konvergent Wealth Partners](https://planprovider.pro/provider/konvergent-wealth-partners)

Plan Advisor

Gig Harbor, WA

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

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### [MML Investors Services, LLC](https://planprovider.pro/provider/mml-investors-services-llc)

Plan Advisor

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

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### [Multnomah Group](https://planprovider.pro/provider/multnomah-group)

Plan Advisor

Portland, OR

**Company:** Est. 2003 • 20 employees

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

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### [My Legacy Advisors, LLC](https://planprovider.pro/provider/my-legacy-advisors-llc)

Plan Advisor

Bend, OR

**Company:** Est. 2017

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

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

Plan Advisor

Allentown, PA

**Company:** Est. 1987

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

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### [Novus Advisors](https://planprovider.pro/provider/novus-advisors)

Plan Advisor

Greenville, SC

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

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

Plan Advisor

Towson, MD

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

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### [Omnistar Financial Group, INC.](https://planprovider.pro/provider/omnistar-financial-group-inc)

Plan Advisor

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

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

Plan Advisor

Woodbury, NY

[View Profile](https://planprovider.pro/provider/pfg-investments-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=21)

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