# Top 401(k) Plan Advisors
Source: https://planprovider.pro/plan-advisors/401k?page=5

> 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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### [Capwealth Advisors, LLC](https://planprovider.pro/provider/capwealth-advisors-llc)

Plan Advisor

Franklin, TN

**Stats:** $2.0B under management

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

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### [Cozad Asset Management INC](https://planprovider.pro/provider/cozad-asset-management-inc)

Plan Advisor

Champaign, IL

**Stats:** $2.0B under management

**Company:** Est. 1972 • 26 employees

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

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### [EMBREE FINANCIAL Group](https://planprovider.pro/provider/embree-financial-group)

Plan Advisor

Chicago, IL

**Credentials:** RIA - Registered Investment Advisor

**Stats:** 80 clients • $2.0B under management

**Company:** Est. 1995

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

- 

### [Jackson Thornton Asset Management, LLC](https://planprovider.pro/provider/jackson-thornton-asset-management-llc)

Plan Advisor

Montgomery, AL

**Stats:** $2.0B under management

**Company:** Est. 2002

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

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### [John F Suby Wealth Management LLC](https://planprovider.pro/provider/john-f-suby-wealth-management-llc)

Plan Advisor

Madison, WI

**Stats:** $2.0B under management

**Company:** Est. 2009

[View Profile](https://planprovider.pro/provider/john-f-suby-wealth-management-llc)

- 

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

Plan Advisor

Austin, TX

**Stats:** $2.0B under management

**Company:** Est. 2003

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

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### [Cornerstone Management, Inc.](https://planprovider.pro/provider/cornerstone-management-inc)

Plan Advisor

Duluth, GA

**Stats:** $1.9B under management

**Company:** Est. 1991

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

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### [Patriot Investment Management Group INC](https://planprovider.pro/provider/patriot-investment-management-group-inc)

Plan Advisor

Knoxville, TN

**Stats:** $1.9B under management

**Company:** Est. 1993 • 26 employees

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

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### [Maren Capital](https://planprovider.pro/provider/maren-capital)

Plan Advisor

Chicago, IL

**Stats:** $1.9B under management

**Company:** Est. 2022 • 6 employees

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

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### [Equitas Capital Advisors,llc](https://planprovider.pro/provider/equitas-capital-advisorsllc)

Plan Advisor

New Orleans, LA

**Stats:** $1.8B under management

**Company:** Est. 2002

[View Profile](https://planprovider.pro/provider/equitas-capital-advisorsllc)

- 

### [First Heartland Consultants, Inc.](https://planprovider.pro/provider/first-heartland-consultants-inc)

Plan Advisor

Lake Saint Louis, MO

**Stats:** $1.8B under management

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

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### [Paradigm Capital Management](https://planprovider.pro/provider/paradigm-capital-management)

Plan Advisor

Reno, NV

**Stats:** $1.8B under management

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

- 

### [Traynor Capital Management](https://planprovider.pro/provider/traynor-capital-management)

Plan Advisor

Malvern, PA

**Stats:** $1.8B under management

**Company:** Est. 2006

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

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### [Ifam Capital](https://planprovider.pro/provider/ifam-capital)

Plan Advisor

Fort Collins, CO

**Stats:** $1.7B under management

**Company:** Est. 2014

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

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### [Asi Wealth Management & Consulting Services](https://planprovider.pro/provider/asi-wealth-management-and-consulting-services)

Plan Advisor

Bend, OR

**Stats:** $1.7B under management

**Company:** Est. 1998

[View Profile](https://planprovider.pro/provider/asi-wealth-management-and-consulting-services)

- 

### [Nilsine Partners, LLC](https://planprovider.pro/provider/nilsine-partners-llc)

Plan Advisor

Greenwood Village, CO

**Stats:** $1.7B under management

**Company:** Est. 2021

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

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

Plan Advisor

Reno, NV

**Stats:** $1.6B under management

**Company:** Est. 2006

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

- 

### [Fourthought Financial Partners, Llc.](https://planprovider.pro/provider/fourthought-financial-partners-llc)

Plan Advisor

Venice, FL

**Stats:** $1.6B under management

**Company:** Est. 1968 • 25 employees

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

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### [Beese Fulmer Private Wealth Management](https://planprovider.pro/provider/beese-fulmer-private-wealth-management)

Plan Advisor

Canton, OH

**Stats:** $1.6B under management

**Company:** Est. 1980 • 14 employees

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

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### [Schaper Benz & Wise Investment Counsel INC](https://planprovider.pro/provider/schaper-benz-and-wise-investment-counsel-inc)

Plan Advisor

Neenah, WI

**Stats:** $1.6B under management

[View Profile](https://planprovider.pro/provider/schaper-benz-and-wise-investment-counsel-inc)

- 

### [Abundance Wealth Counselors, LLC](https://planprovider.pro/provider/abundance-wealth-counselors-llc)

Plan Advisor

State College, PA

**Stats:** $1.6B under management

**Company:** Est. 2001

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

- 

### [Clarity Financial Advisors LLC](https://planprovider.pro/provider/clarity-financial-advisors-llc)

Plan Advisor

St. Petersburg, FL

**Stats:** $1.5B under management

**Company:** Est. 2022

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

- 

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

Plan Advisor

Lexington, KY

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

**Stats:** $1.5B under management

**Company:** Est. 2008 • 33 employees

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

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### [Abound Wealth Management, LLC](https://planprovider.pro/provider/abound-wealth-management-llc)

Plan Advisor

Franklin, TN

**Stats:** $1.4B under management

**Company:** 34 employees

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

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

Plan Advisor

Columbia, SC

**Stats:** $1.4B under management

**Company:** Est. 2000

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

## 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=5)

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