# Top 401(k) Plan Advisors
Source: https://planprovider.pro/plan-advisors/401k?page=8

> 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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### [Studio Investment Management](https://planprovider.pro/provider/studio-investment-management)

Plan Advisor

Chicago, IL

**Stats:** $832M under management

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

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### [Verum Partners LLC](https://planprovider.pro/provider/verum-partners-llc)

Plan Advisor

Charlotte, NC

**Stats:** $828M under management

**Company:** Est. 2019

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

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### [Vestia Personal Wealth Advisors](https://planprovider.pro/provider/vestia-personal-wealth-advisors)

Plan Advisor

Fort Wayne, IN

**Stats:** $827M under management

**Company:** Est. 2018 • 23 employees

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

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### [Mps-loria Financial Planners,llc](https://planprovider.pro/provider/mps-loria-financial-plannersllc)

Plan Advisor

Burr Ridge, IL

**Stats:** $827M under management

**Company:** Est. 1999

[View Profile](https://planprovider.pro/provider/mps-loria-financial-plannersllc)

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### [Klaas Financial Asset Advisors, Llc.](https://planprovider.pro/provider/klaas-financial-asset-advisors-llc)

Plan Advisor

Loves Park, IL

**Stats:** $817M under management

**Company:** Est. 2002

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

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### [Bcs Wealth Managment, LLC](https://planprovider.pro/provider/bcs-wealth-managment-llc)

Plan Advisor

Johnson City, TN

**Stats:** $812M under management

**Company:** Est. 1998

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

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### [Balboa Wealth Partners, Inc.](https://planprovider.pro/provider/balboa-wealth-partners-inc)

Plan Advisor

Newport Beach, CA

**Stats:** $805M under management

**Company:** Est. 2015 • 22 employees

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

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### [Wealth Alliance Advisory Group, LLC](https://planprovider.pro/provider/wealth-alliance-advisory-group-llc)

Plan Advisor

Wichita, KS

**Stats:** $804M under management

**Company:** Est. 2017

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

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### [Asset Planning Services INC](https://planprovider.pro/provider/asset-planning-services-inc)

Plan Advisor

**Stats:** $800M under management

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

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### [Freegulliver, LLC](https://planprovider.pro/provider/freegulliver-llc)

Plan Advisor

New Orleans, LA

**Stats:** $798M under management

**Company:** Est. 2001

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

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### [Midwest Capital Advisors LLC](https://planprovider.pro/provider/midwest-capital-advisors-llc)

Plan Advisor

Grand Rapids, MI

**Credentials:** AIF® - Accredited Investment Fiduciary • CFP® - Certified Financial Planner • CPFA® - Certified Plan Fiduciary Advisor • +2 more

**Stats:** 59 clients • $798M under management

**Company:** Est. 2003 • 9 employees

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

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

Plan Advisor

Manchester, NH

**Stats:** $791M under management

**Company:** Est. 1992 • 8 employees

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

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### [Lesko Securities, Inc.](https://planprovider.pro/provider/lesko-securities-inc)

Plan Advisor

Vestal, NY

**Stats:** $782M under management

[View Profile](https://planprovider.pro/provider/lesko-securities-inc)

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### [Wisdom Financial Services, L.l.c.](https://planprovider.pro/provider/wisdom-financial-services-llc)

Plan Advisor

Geneseo, IL

**Stats:** $779M under management

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

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

Plan Advisor

Ashton, MD

**Stats:** $774M under management

**Company:** Est. 1988

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

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### [Kuhn Advisors, Inc.](https://planprovider.pro/provider/kuhn-advisors-inc)

Plan Advisor

Durham, NC

**Stats:** $754M under management

**Company:** Est. 1993

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

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### [Bridgewealth Advisory Group, LLC](https://planprovider.pro/provider/bridgewealth-advisory-group-llc)

Plan Advisor

**Stats:** $740M under management

**Company:** Est. 2018

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

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### [United Capital Management Of Kansas, Inc.](https://planprovider.pro/provider/united-capital-management-of-kansas-inc)

Plan Advisor

Salina, KS

**Stats:** $735M under management

**Company:** Est. 2004

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

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### [Walkner Condon Financial Advisors LLC](https://planprovider.pro/provider/walkner-condon-financial-advisors-llc)

Plan Advisor

Madison, WI

**Stats:** $733M under management

**Company:** 13 employees

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

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

Plan Advisor

Andover, MA

**Stats:** $732M under management

**Company:** Est. 1992

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

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### [Nesteggs, Inc.](https://planprovider.pro/provider/nesteggs-inc)

Plan Advisor

Jacksonville, FL

**Stats:** $725M under management

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

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### [Montz Harcus Wealth Management](https://planprovider.pro/provider/montz-harcus-wealth-management)

Plan Advisor

New Orleans, LA

**Stats:** $714M under management

**Company:** Est. 2019

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

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### [Carolina Wealth Management, Inc.](https://planprovider.pro/provider/carolina-wealth-management-inc)

Plan Advisor

Greenville, NC

**Stats:** $712M under management

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

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### [Maia Wealth](https://planprovider.pro/provider/maia-wealth)

Plan Advisor

Denver, CO

**Stats:** $704M under management

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

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### [Main Street Retirement Planning, LLC](https://planprovider.pro/provider/main-street-retirement-planning-llc)

Plan Advisor

Coppell, TX

**Stats:** $695M under management

[View Profile](https://planprovider.pro/provider/main-street-retirement-planning-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=8)

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