Safe Harbor 401(k)

For Advisors

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When you Vestwell, you can bring compliant, flexible 401(k) solutions to the table that help scale your practice and deepen client value.

Streamlined Compliance

Plans are structured to satisfy nondiscrimination testing automatically.

Flexible Match Options

Help clients select from pre-approved formulas that work for their budget and objectives.

Advisor-Friendly Tools

Easily manage onboarding, investment lineups, and plan health across your book from a single dashboard.

Hands-On Support

We handle the heavy lifting, so you stay focused on advising—not admin.

Profit Sharing

A flexible option for employers to share company success by making additional contributions toward retirement accounts after the plan year ends.

Self-Directed Brokerage Accounts

A feature that allows employees to move funds from their retirement plan into a brokerage account, providing the flexibility to invest in a broader range of assets.

Guaranteed Lifetime Retirement Income

An investment option that offers guaranteed monthly payments during retirement via lifetime annuities, providing a layer of income protection.

Managed Accounts

A tool that provides a more personalized asset allocation into portfolios based on retirement and investment goals. Funds can be selected by a third-party investment fiduciary or the plan’s advisor acting as 3(38) or 3(21) fiduciary.

Student Loan Retirement Match

A benefit to pay back student debt while saving for retirement, with employer matching contributions of student loan payments towards employee retirement accounts.

Learning Center

A complimentary, integrated library of financial wellness resources and interactive learning modules on foundational topics, from budgeting to saving for a home to planning for milestones.

Simplify payroll conversations with seamless integrations.

Vestwell integrates with over 100 payroll providers to make plan setup and administration effortless. Explore our full list of payroll partners to identify the right solution for your clients and streamline their experience from day one.

Smart investing, made even smarter.

Enhance your Safe Harbor plan with advanced investment options—from professionally managed accounts and guaranteed lifetime income to the flexibility of Self-Directed Brokerage Accounts. Tailored solutions for long-term confidence and individual choice.

“The Safe Harbor program makes it so that I don't have to worry about compliance. It’s a generous plan that keeps things simple for us.”

Let’s build your book with smart plan design.

Take a guided tour through Vestwell’s core capabilities, including onboarding, contributions, compliance workflows, and participant engagement.

Traditional 401(k)

A flexible 401(k) plan with various employer contribution options

Pooled Plans

A shared retirement plan with other companies offering administrative benefits

403(b)

A retirement plan for schools, nonprofits, and certain public organizations