# Top 401(k) Plan Advisors
Source: https://planprovider.pro/plan-advisors/401k?page=4

> 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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### [Coastal Bridge Advisors](https://planprovider.pro/provider/coastal-bridge-advisors)

Plan Advisor

Westport, CT

**Stats:** $4.6B under management

**Company:** Est. 2008 • 30 employees

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

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### [TCI Wealth Advisors, Inc.](https://planprovider.pro/provider/tci-wealth-advisors-inc)

Plan Advisor

Tucson, AZ

**Credentials:** CFA® - Chartered Financial Analyst • Other • AIF® - Accredited Investment Fiduciary • +2 more

**Stats:** $4.5B under management

**Company:** Est. 1990 • 75 employees

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

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

Plan Advisor

Aurora, OH

**Stats:** $4.3B under management

**Company:** Est. 1996

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

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### [Capital Cities Investments](https://planprovider.pro/provider/capital-cities-investments)

Plan Advisor

Tallahassee, FL

**Stats:** $4.1B under management

**Company:** 969 employees

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

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### [Cwa Asset Management Group](https://planprovider.pro/provider/cwa-asset-management-group)

Plan Advisor

Naples, FL

**Stats:** $4.1B under management

**Company:** Est. 2003 • 45 employees

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

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### [Tfp Management, LLC](https://planprovider.pro/provider/tfp-management-llc)

Plan Advisor

Orlando, FL

**Stats:** $4.0B under management

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

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### [Salem Investment Counselors INC](https://planprovider.pro/provider/salem-investment-counselors-inc)

Plan Advisor

Winston-Salem, NC

**Stats:** $3.8B under management

**Company:** Est. 1979

[View Profile](https://planprovider.pro/provider/salem-investment-counselors-inc)

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### [Parsec Financial](https://planprovider.pro/provider/parsec-financial)

Plan Advisor

Asheville, NC

**Stats:** $3.8B under management

**Company:** Est. 1980

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

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### [Smith Moore & Co.](https://planprovider.pro/provider/smith-moore-and-co)

Plan Advisor

Clayton, MO

**Stats:** $3.8B under management

**Company:** Est. 1913 • 75 employees

[View Profile](https://planprovider.pro/provider/smith-moore-and-co)

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### [Oswald Financial, Inc.](https://planprovider.pro/provider/oswald-financial-inc)

Plan Advisor

Clevland, OH

**Stats:** $3.5B under management

**Company:** Est. 2022 • 4 employees

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

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### [Sol Capital Management CO](https://planprovider.pro/provider/sol-capital-management-co)

Plan Advisor

Rockville, MD

**Stats:** $3.3B under management

**Company:** Est. 1987

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

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### [Ima Wealth](https://planprovider.pro/provider/ima-wealth)

Plan Advisor

Wichita, KS

**Stats:** $3.2B under management

**Company:** Est. 1999

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

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### [Quants Compete](https://planprovider.pro/provider/quants-compete)

Plan Advisor

Brentwood, TN

**Stats:** $3.1B under management

**Company:** Est. 2020

[View Profile](https://planprovider.pro/provider/quants-compete)

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### [Sage, Rutty & Co., Inc.](https://planprovider.pro/provider/sage-rutty-and-co-inc)

Plan Advisor

Rochester, NY

**Stats:** $3.0B under management

**Company:** Est. 1915 • 75 employees

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

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### [Certified Advisory CORP](https://planprovider.pro/provider/certified-advisory-corp)

Plan Advisor

Altamonte Springs, FL

**Stats:** $2.7B under management

**Company:** 38 employees

[View Profile](https://planprovider.pro/provider/certified-advisory-corp)

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

Plan Advisor

State College, PA

**Stats:** $2.6B under management

**Company:** Est. 1978 • 89 employees

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

- 

### [401kquote.com](https://planprovider.pro/provider/401kquotecom)

Plan Advisor

Norwood, MA

**Credentials:** CEBS® - Certified Employee Benefit Specialist • AIF® - Accredited Investment Fiduciary

**Stats:** $2.5B under management

**Company:** Est. 2000 • 10 employees

[View Profile](https://planprovider.pro/provider/401kquotecom)

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### [Everhart Advisors](https://planprovider.pro/provider/everhart-advisors)

Plan Advisor

Dublin, OH

**Stats:** $2.4B under management

**Company:** Est. 1995

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

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### [Stegner Investment Associates INC](https://planprovider.pro/provider/stegner-investment-associates-inc)

Plan Advisor

Louisville, KY

**Stats:** $2.4B under management

**Company:** Est. 1994 • 11 employees

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

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### [Ingham Retirement Group](https://planprovider.pro/provider/ingham-retirement-group)

Plan Advisor

Miami, FL

**Stats:** $2.3B under management

**Company:** Est. 1972

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

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

Plan Advisor

Berwyn, PA

**Stats:** $2.2B under management

**Company:** Est. 2008

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

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### [Maple Capital Management, Inc.](https://planprovider.pro/provider/maple-capital-management-inc)

Plan Advisor

Montpelier, VT

**Stats:** $2.2B under management

**Company:** Est. 2004

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

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### [Phillips Capital Advisors, Inc.](https://planprovider.pro/provider/phillips-capital-advisors-inc)

Plan Advisor

Oklahoma City, OK

**Stats:** $2.2B under management

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

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### [Shufro, Rose & Co., LLC](https://planprovider.pro/provider/shufro-rose-and-co-llc)

Plan Advisor

New York, NY

**Stats:** $2.2B under management

**Company:** Est. 1938 • 27 employees

[View Profile](https://planprovider.pro/provider/shufro-rose-and-co-llc)

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### [Investment Management Consultants](https://planprovider.pro/provider/investment-management-consultants)

Plan Advisor

Salt Lake City, UT

**Stats:** $2.1B under management

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

## 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=4)

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