401(k) Advisors in Florida

Find qualified retirement plan advisors in Florida. Compare 401(k) advisors, fiduciary advisors, and investment consultants.

Browse 56 providers in this category.

Providers

  9. Captrust

    Plan Advisor • Pro Score 3.3

    Raleigh, NC

    Stats: $1.0T under management

    Company: Est. 1997 • 1,500 employees

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  10. Carson Wealth Management Group

    Plan Advisor

    Omaha, NE

    Credentials: CFP® - Certified Financial Planner • AIF® - Accredited Investment Fiduciary • CFA® - Chartered Financial Analyst

    Stats: $55.0B under management

    Company: Est. 1983

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  15. Concurrent Investment Advisors, LLC

    Plan Advisor

    Tampa, FL

    Credentials: RIA - Registered Investment Advisor • CFP® - Certified Financial Planner • Other

    Stats: $15.7B under management

    Company: Est. 2016 • 65 employees

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  25. 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

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Partnering with a Trusted 401k Plan Advisor in Florida

For business owners and HR professionals across the Sunshine State, managing a corporate retirement plan is a significant responsibility. Selecting the right 401k plan advisor in Florida is not just about investment performance; it is about mitigating corporate liability and ensuring your employees are prepared for retirement. A specialized advisor helps navigate the complex regulatory landscape of the Department of Labor (DOL) and the Internal Revenue Service (IRS).

Understanding Fiduciary Support: 3(21) vs. 3(38) Roles

Employer-sponsored plans are governed by the Employee Retirement Income Security Act (ERISA). One of the most critical decisions a plan sponsor makes is determining the level of fiduciary protection they require. Professional advisors typically offer two types of fiduciary services:

  • 3(21) Fiduciary: In this role, the advisor acts as an investment co-fiduciary. They provide professional recommendations, but the plan sponsor retains the ultimate decision-making power and the associated liability.
  • 3(38) Fiduciary: This provides a higher level of protection. As an investment manager, the advisor takes full discretionary authority to make investment decisions, effectively shifting much of the investment-related fiduciary liability away from the employer.

What to Look for in a Florida Retirement Plan Advisor

When evaluating potential partners, ensure they have a deep understanding of the local economic landscape and a physical presence that allows for in-person employee education sessions. Key criteria include:

  • Independence: Look for fee-based advisors who avoid proprietary products to ensure unbiased investment selection.
  • Experience: Confirm they specialize in retirement plans rather than general wealth management.
  • Benchmarking: Ask how they evaluate recordkeeper fees and investment expenses to ensure your plan remains competitive.

Plan Types We Support

Qualified advisors can assist with various plan structures tailored to your organization's specific needs:

Related Services for Florida Employers

Comprehensive retirement plan management often requires a network of specialized professionals. Explore these related services to ensure your plan stays compliant: