# Top 401(k) Plan Advisors
Source: https://planprovider.pro/plan-advisors/401k?page=7

> 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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### [Principal Asset Management](https://planprovider.pro/provider/principal-asset-management)

Plan Advisor

Des Moines, IA

**Stats:** $1.0B under management

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

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### [Syverson Strege](https://planprovider.pro/provider/syverson-strege)

Plan Advisor

West Des Moines, IA

**Stats:** $1.0B under management

**Company:** Est. 1997

[View Profile](https://planprovider.pro/provider/syverson-strege)

- 

### [Walter Keenan Wealth Management](https://planprovider.pro/provider/walter-keenan-wealth-management)

Plan Advisor

South Bend, IN

**Stats:** $1.0B under management

**Company:** Est. 1982 • 12 employees

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

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### [Financial Enhancement Group](https://planprovider.pro/provider/financial-enhancement-group)

Plan Advisor

Anderson, IN

**Stats:** $987M under management

**Company:** Est. 1997

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

- 

### [Stanley-laman Group Ltd.](https://planprovider.pro/provider/stanley-laman-group-ltd)

Plan Advisor

Berwyn, PA

**Stats:** $979M under management

[View Profile](https://planprovider.pro/provider/stanley-laman-group-ltd)

- 

### [Findec Wealth Services, Inc.](https://planprovider.pro/provider/findec-wealth-services-inc)

Plan Advisor

Stockton, CA

**Stats:** $964M under management

**Company:** Est. 1987

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

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### [Rogers Wealth Group, Inc.](https://planprovider.pro/provider/rogers-wealth-group-inc)

Plan Advisor

Fort Worth, TX

**Stats:** $961M under management

**Company:** Est. 1973

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

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### [Sensible Financial Planning And Management, LLC](https://planprovider.pro/provider/sensible-financial-planning-and-management-llc)

Plan Advisor

Waltham, MA

**Stats:** $944M under management

[View Profile](https://planprovider.pro/provider/sensible-financial-planning-and-management-llc)

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### [Korhorn Financial Group](https://planprovider.pro/provider/korhorn-financial-group)

Plan Advisor

Granger, IN

**Stats:** $935M under management

**Company:** Est. 1994

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

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### [Keb Wealth Advisors](https://planprovider.pro/provider/keb-wealth-advisors)

Plan Advisor

Springfield, IL

**Stats:** $933M under management

**Company:** Est. 1931

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

- 

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

Plan Advisor

Dublin, OH

**Stats:** $930M under management

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

- 

### [Avenir Corporation](https://planprovider.pro/provider/avenir-corporation)

Plan Advisor

**Stats:** $922M under management

[View Profile](https://planprovider.pro/provider/avenir-corporation)

- 

### [Correct Capital Wealth Management, LLC](https://planprovider.pro/provider/correct-capital-wealth-management-llc)

Plan Advisor

Clayton, MO

**Stats:** $922M under management

**Company:** Est. 2018 • 18 employees

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

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### [Redw Wealth LLC](https://planprovider.pro/provider/redw-wealth-llc)

Plan Advisor

Albuquerque, NM

**Stats:** $896M under management

**Company:** Est. 1997

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

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

Plan Advisor

South Burlington, VT

**Stats:** $895M under management

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

- 

### [Capital Investment Counsel INC](https://planprovider.pro/provider/capital-investment-counsel-inc)

Plan Advisor

Denver, CO

**Stats:** $889M under management

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

- 

### [Covington Investment Advisors, Inc.](https://planprovider.pro/provider/covington-investment-advisors-inc)

Plan Advisor

Ligonier, PA

**Stats:** $886M under management

**Company:** Est. 2003

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

- 

### [First Kentucky Securities CORP](https://planprovider.pro/provider/first-kentucky-securities-corp)

Plan Advisor

Louisville, KY

**Stats:** $861M under management

**Company:** Est. 1977

[View Profile](https://planprovider.pro/provider/first-kentucky-securities-corp)

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### [Ford Financial Group](https://planprovider.pro/provider/ford-financial-group)

Plan Advisor

Fresno, CA

**Stats:** $860M under management

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

- 

### [Pacific Sage Partners, LLC](https://planprovider.pro/provider/pacific-sage-partners-llc)

Plan Advisor

Edmonds, WA

**Stats:** $858M under management

**Company:** Est. 2021

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

- 

### [Pettyjohn, Wood & White, Inc.](https://planprovider.pro/provider/pettyjohn-wood-and-white-inc)

Plan Advisor

Lynchburg, VA

**Stats:** $854M under management

**Company:** Est. 1978

[View Profile](https://planprovider.pro/provider/pettyjohn-wood-and-white-inc)

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### [Morris & Wells Wealth Management](https://planprovider.pro/provider/morris-and-wells-wealth-management)

Plan Advisor

Charlottesville, VA

**Stats:** $854M under management

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

- 

### [Decisionpoint Financial, LLC](https://planprovider.pro/provider/decisionpoint-financial-llc)

Plan Advisor

Mesa, AZ

**Stats:** $849M under management

**Company:** Est. 2018

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

- 

### [Brio Financial Group](https://planprovider.pro/provider/brio-financial-group)

Plan Advisor

San Francisco, CA

**Stats:** $843M under management

**Company:** Est. 2017

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

- 

### [Legacy Financial Group](https://planprovider.pro/provider/legacy-financial-group)

Plan Advisor

Des Moines, IA

**Stats:** $840M under management

**Company:** Est. 2010

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

## 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=7)

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