# Top 401(k) Plan Advisors
Source: https://planprovider.pro/plan-advisors/401k?page=3

> 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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### [Heritage Financial Solutions, LLC](https://planprovider.pro/provider/heritage-financial-solutions-llc)

Plan Advisor

Dodge City, KS

**Stats:** $10.5B under management

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

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### [Conrad Siegel Investment Advisors](https://planprovider.pro/provider/conrad-siegel-investment-advisors)

Plan Advisor

Harrisburg, PA

**Stats:** $10.1B under management

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

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### [Charles Stephen And Co., Inc.](https://planprovider.pro/provider/charles-stephen-and-co-inc)

Plan Advisor

Albuquerque, NM

**Credentials:** CFP® - Certified Financial Planner • AIF® - Accredited Investment Fiduciary

**Stats:** $10.0B under management

**Company:** Est. 1984 • 30 employees

[View Profile](https://planprovider.pro/provider/charles-stephen-and-co-inc)

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

Plan Advisor

Sandy, UT

**Stats:** $10.0B under management

**Company:** Est. 2010

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

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### [Thurston Springer Advisors](https://planprovider.pro/provider/thurston-springer-advisors)

Plan Advisor

Indianapolis, IN

**Stats:** $10.0B under management

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

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### [CGO Financial](https://planprovider.pro/provider/cgo-financial)

Plan Advisor • Verified

Lisle, IL

**Stats:** $9.9B under management

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

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

Plan Advisor

Kansas City, MO

**Stats:** $9.8B under management

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

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### [Longview Asset Management, LLC](https://planprovider.pro/provider/longview-asset-management-llc)

Plan Advisor

Santa Fe, NM

**Stats:** $9.4B under management

**Company:** Est. 2002

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

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### [Cullen Asset Management](https://planprovider.pro/provider/cullen-asset-management)

Plan Advisor

Lafayette, LA

**Stats:** $9.1B under management

[View Profile](https://planprovider.pro/provider/cullen-asset-management)

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### [Stephen Wealth Management Group](https://planprovider.pro/provider/stephens-consulting-llc)

Plan Advisor

Flint, MI

**Credentials:** RIA - Registered Investment Advisor

**Stats:** $8.7B under management

**Company:** Est. 2020

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

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### [The Wealth Consulting Group](https://planprovider.pro/provider/the-wealth-consulting-group)

Plan Advisor

Las Vegas, NV

**Stats:** $7.9B under management

[View Profile](https://planprovider.pro/provider/the-wealth-consulting-group)

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### [Twin Focus Capital Partners, LLC](https://planprovider.pro/provider/twin-focus-capital-partners-llc)

Plan Advisor

Boston, MA

**Stats:** $7.9B under management

**Company:** Est. 2006

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

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### [Harbour Investments, Inc.](https://planprovider.pro/provider/harbour-investments-inc)

Plan Advisor

Madison, WI

**Stats:** $7.6B under management

**Company:** Est. 1987 • 214 employees

[View Profile](https://planprovider.pro/provider/harbour-investments-inc)

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### [R M Davis INC](https://planprovider.pro/provider/r-m-davis-inc)

Plan Advisor

Portland, ME

**Stats:** $7.3B under management

**Company:** Est. 1978

[View Profile](https://planprovider.pro/provider/r-m-davis-inc)

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### [Creative Financial Designs, Inc.](https://planprovider.pro/provider/creative-financial-designs-inc)

Plan Advisor

Kokomo, IN

**Stats:** $7.0B under management

**Company:** Est. 1982

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

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### [Trg Investment Advisors, LLC](https://planprovider.pro/provider/trg-investment-advisors-llc)

Plan Advisor

Brattleboro, VT

**Stats:** $6.6B under management

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

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### [Hays Financial Group, LLC](https://planprovider.pro/provider/hays-financial-group-llc)

Plan Advisor

Edina, MN

**Stats:** $6.1B under management

**Company:** Est. 2021

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

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### [David Vaughan Investments, LLC](https://planprovider.pro/provider/david-vaughan-investments-llc)

Plan Advisor

Peoria, IL

**Stats:** $6.0B under management

**Company:** Est. 1977

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

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### [Northeast Planning Associates, Inc.](https://planprovider.pro/provider/northeast-planning-associates-inc)

Plan Advisor

Bedford, NH

**Stats:** $5.3B under management

**Company:** Est. 1959

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

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### [Evergreen Capital Management LLC](https://planprovider.pro/provider/evergreen-capital-management-llc)

Plan Advisor

Omaha, NE

**Stats:** $5.2B under management

**Company:** Est. 1989 • 1 employees

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

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### [True North Retirement Advisors, LLC](https://planprovider.pro/provider/true-north-retirement-advisors-llc)

Plan Advisor

Clackamas, OR

**Stats:** $5.1B under management

**Company:** Est. 2017

[View Profile](https://planprovider.pro/provider/true-north-retirement-advisors-llc)

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### [Pfg Advisors](https://planprovider.pro/provider/pfg-advisors)

Plan Advisor

Lubbock, TX

**Stats:** $5.0B under management

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

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### [Pension Consultants INC](https://planprovider.pro/provider/pension-consultants-inc)

Plan Advisor

Minneapolis, MN

**Stats:** $4.9B under management

**Company:** Est. 1994

[View Profile](https://planprovider.pro/provider/pension-consultants-inc)

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### [SYM Financial Advisors](https://planprovider.pro/provider/sym-financial-advisors)

Plan Advisor

Winona Lake, IN

**Stats:** $4.9B under management

**Company:** Est. 1968

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

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

Plan Advisor

Grand Blanc, MI

**Stats:** $4.8B under management

**Company:** Est. 2000

[View Profile](https://planprovider.pro/provider/mainstay-capital-management-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=3)

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