# Top 401(k) Plan Advisors Source: https://planprovider.pro/plan-advisors/401k?page=22 > 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 - ### [Prosperity Wealth Planning LLC](https://planprovider.pro/provider/prosperity-wealth-planning-llc) Plan Advisor Irvine, CA **Company:** Est. 2021 [View Profile](https://planprovider.pro/provider/prosperity-wealth-planning-llc) - ### [Retirement Solutions Advisors LLC](https://planprovider.pro/provider/retirement-solutions-advisors-llc) Plan Advisor Chicago, IL **Credentials:** AIF® - Accredited Investment Fiduciary **Company:** Est. 2007 • 5 employees [View Profile](https://planprovider.pro/provider/retirement-solutions-advisors-llc) - ### [RetireRight Consulting Group](https://planprovider.pro/provider/retireright-consulting-group) Plan Advisor West Des Moines, IA **Credentials:** AIF® - Accredited Investment Fiduciary [View Profile](https://planprovider.pro/provider/retireright-consulting-group) - ### [River Glen Wealth Counselors](https://planprovider.pro/provider/river-glen-wealth-counselors) Plan Advisor [View Profile](https://planprovider.pro/provider/river-glen-wealth-counselors) - ### [Rpm Advisors, LLC](https://planprovider.pro/provider/rpm-advisors-llc) Plan Advisor [View Profile](https://planprovider.pro/provider/rpm-advisors-llc) - ### [Savant Wealth Management](https://planprovider.pro/provider/savant-wealth-management) Plan Advisor Rockford, IL **Credentials:** CFP® - Certified Financial Planner • CFA® - Chartered Financial Analyst **Company:** Est. 1986 • 332 employees [View Profile](https://planprovider.pro/provider/savant-wealth-management) - ### [Savvy Advisors Inc.](https://planprovider.pro/provider/savvy-advisors-inc) Plan Advisor New York, NY [View Profile](https://planprovider.pro/provider/savvy-advisors-inc) - ### [Skyoak Capital, Inc.](https://planprovider.pro/provider/skyoak-capital-inc) Plan Advisor Las Vegas, NV **Company:** Est. 2018 [View Profile](https://planprovider.pro/provider/skyoak-capital-inc) - ### [Spectrum Strategic Capital Management, LLC](https://planprovider.pro/provider/spectrum-strategic-capital-management-llc) Plan Advisor Lake Oswego, OR **Company:** Est. 2000 [View Profile](https://planprovider.pro/provider/spectrum-strategic-capital-management-llc) - ### [Stonebridge Financial Group](https://planprovider.pro/provider/stonebridge-financial-group) Plan Advisor Wormleysburg, PA [View Profile](https://planprovider.pro/provider/stonebridge-financial-group) - ### [Successful Money Strategies INC](https://planprovider.pro/provider/successful-money-strategies-inc) Plan Advisor Fall River, MA **Company:** Est. 1993 [View Profile](https://planprovider.pro/provider/successful-money-strategies-inc) - ### [Tfo-tdc, LLC](https://planprovider.pro/provider/tfo-tdc-llc) Plan Advisor Maumee, OH **Company:** 67 employees [View Profile](https://planprovider.pro/provider/tfo-tdc-llc) - ### [TMB Capital Partners](https://planprovider.pro/provider/tmb-capital-partners) Plan Advisor Little Rock, AR **Company:** 6 employees [View Profile](https://planprovider.pro/provider/tmb-capital-partners) - ### [Venture Visionary Partners](https://planprovider.pro/provider/venture-visionary-partners) Plan Advisor Sylvania, OH **Credentials:** AIF® - Accredited Investment Fiduciary • CFP® - Certified Financial Planner **Company:** 10 employees [View Profile](https://planprovider.pro/provider/venture-visionary-partners) - ### [Wealth Advisors, Inc.](https://planprovider.pro/provider/wealth-advisors-inc) Plan Advisor Rancho Santa Fe, CA [View Profile](https://planprovider.pro/provider/wealth-advisors-inc) - ### [WEALTHPLAN INVESTMENT MANAGEMENT LLC](https://planprovider.pro/provider/wealthplan-investment-management-llc) Plan Advisor Omaha, NE [View Profile](https://planprovider.pro/provider/wealthplan-investment-management-llc) - ### [Werner Financial](https://planprovider.pro/provider/werner-financial) Plan Advisor Indianapolis, IN **Credentials:** CFP® - Certified Financial Planner [View Profile](https://planprovider.pro/provider/werner-financial) ## 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=22) © 2026 PlanProvider.Pro