# Top 401(k) Plan Advisors
Source: https://planprovider.pro/plan-advisors/401k?page=6

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

Plan Advisor

Chattanooga, TN

**Stats:** $1.4B under management

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

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

Plan Advisor

Concord, NC

**Stats:** $1.4B under management

**Company:** Est. 2021 • 5 employees

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

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### [Petersen Hastings Investment Management INC](https://planprovider.pro/provider/petersen-hastings-investment-management-inc)

Plan Advisor

Kennewick, WA

**Stats:** $1.4B under management

**Company:** Est. 1962

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

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### [Petredis Investment Advisors](https://planprovider.pro/provider/petredis-investment-advisors)

Plan Advisor

Warrendale, PA

**Stats:** $1.4B under management

**Company:** Est. 2022

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

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### [Silicon Valley Retirement Services, LLC](https://planprovider.pro/provider/silicon-valley-retirement-services-llc)

Plan Advisor

San Jose, CA

**Stats:** $1.4B under management

**Company:** Est. 2010 • 2 employees

[View Profile](https://planprovider.pro/provider/silicon-valley-retirement-services-llc)

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### [Strategy Cap, LLC](https://planprovider.pro/provider/strategy-cap-llc)

Plan Advisor

Bend, OR

**Stats:** $1.3B under management

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

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

Plan Advisor

Bangor, ME

**Stats:** $1.3B under management

**Company:** Est. 1935

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

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### [True Private Wealth Advisors, LLC](https://planprovider.pro/provider/true-private-wealth-advisors-llc)

Plan Advisor

Salem, OR

**Stats:** $1.3B under management

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

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### [Future Finances INC](https://planprovider.pro/provider/future-finances-inc)

Plan Advisor

Columbus, OH

**Stats:** $1.2B under management

[View Profile](https://planprovider.pro/provider/future-finances-inc)

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

Plan Advisor

Appleton, WI

**Stats:** $1.2B under management

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

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

Plan Advisor

Portland, OR

**Stats:** $1.2B under management

**Company:** Est. 2018

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

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### [Market Guard](https://planprovider.pro/provider/market-guard)

Plan Advisor

Vienna, VA

**Stats:** $1.2B under management

[View Profile](https://planprovider.pro/provider/market-guard)

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### [Adams Brown Wealth Consultants, LLC](https://planprovider.pro/provider/adams-brown-wealth-consultants-llc)

Plan Advisor

Great Bend, KS

**Credentials:** AIF® - Accredited Investment Fiduciary • Other • CFP® - Certified Financial Planner • +1 more

**Stats:** $1.1B under management

**Company:** Est. 2019

[View Profile](https://planprovider.pro/provider/adams-brown-wealth-consultants-llc)

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### [Hamilton Point Investment Advisors, LLC](https://planprovider.pro/provider/hamilton-point-investment-advisors-llc)

Plan Advisor

Chapel Hill, NC

**Stats:** $1.1B under management

**Company:** Est. 2007

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

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

Plan Advisor

Indianapolis, IN

**Stats:** $1.1B under management

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

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### [Monterey Private Wealth, Inc.](https://planprovider.pro/provider/monterey-private-wealth-inc)

Plan Advisor

Monterey, CA

**Stats:** $1.1B under management

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

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### [Pettinga Financial Advisors, LLC](https://planprovider.pro/provider/pettinga-financial-advisors-llc)

Plan Advisor

Evansville, IN

**Stats:** $1.1B under management

**Company:** Est. 1994

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

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### [Arbor Investment Advisors](https://planprovider.pro/provider/arbor-investment-advisors)

Plan Advisor

Winston-Salem, NC

**Stats:** $1.1B under management

**Company:** Est. 1998

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

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### [Live Oak Private Wealth, LLC](https://planprovider.pro/provider/live-oak-private-wealth-llc)

Plan Advisor

Wilmington, NC

**Stats:** $1.1B under management

**Company:** Est. 2018

[View Profile](https://planprovider.pro/provider/live-oak-private-wealth-llc)

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### [Woodard & CO Asset Management Group INC](https://planprovider.pro/provider/woodard-and-co-asset-management-group-inc)

Plan Advisor

Bermuda Run, NC

**Stats:** $1.0B under management

**Company:** Est. 1998

[View Profile](https://planprovider.pro/provider/woodard-and-co-asset-management-group-inc)

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

Plan Advisor

Las Vegas, NV

**Stats:** $1.0B under management

**Company:** Est. 2006

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

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### [O'hagan Group, Inc.](https://planprovider.pro/provider/ohagan-group-inc)

Plan Advisor

Bethlehem, PA

**Stats:** $1.0B under management

**Company:** Est. 2021

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

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### [Regency Investment Advisors INC](https://planprovider.pro/provider/regency-investment-advisors-inc)

Plan Advisor

Fresno, CA

**Stats:** $1.0B under management

**Company:** Est. 1993

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

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

Plan Advisor

Pittsford, NY

**Stats:** $1.0B under management

**Company:** Est. 2003

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

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### [Heffernan Financial Services](https://planprovider.pro/provider/heffernan-financial-services)

Plan Advisor

Walnut Creek, CA

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

**Stats:** $1.0B under management

**Company:** Est. 1995 • 3 employees

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

## 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=6)

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