The Modern Savings Platform | Vestwell
Traditional 401(k)
For Advisors
Vestwell helps you scale your retirement business with flexible plans, intuitive technology, and the support you need to build high-value client relationships.
Plans that fit your clients' needs
From startups to multi-location businesses, Vestwell enables custom plan design, including eligibility options ranging from eligibility by source to long-term part-time rules, vesting, Safe Harbor, profit-sharing contribution options, and more.
Less administration, more scale
Guided digital onboarding, bi-directional payroll sync, and Vestwell’s 3(16) fiduciary administration responsibilities save you time and let you focus on deepening relationships and sourcing new ones.
Visibility that keeps you in control
An intuitive advisor dashboard gives you real-time insights into plan performance, participation, and contributions across your book of business—helping you monitor plan health and identify new opportunities.
Open architecture investments
Build each plan’s investment lineup—from goal-based advisor-managed accounts to curated fund menus, target date funds, and guaranteed lifetime income options—giving you the flexibility to meet diverse client and saver needs.
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.
Built to power advisor success.
Our 401(k) solutions are built to work the way you do—offering plan transparency, an intuitive advisor dashboard, and the flexibility to take on as much or as little as you choose. Whether you’re serving as the plan design consultant, the investment fiduciary, or anything in between, Vestwell makes it easy to scale your business without scaling your workload.
“When we were evaluating our options, we interviewed multiple fintech solutions. Without a doubt, Vestwell was the most advisor-friendly in the marketplace.”
Lets see your potential savings!
If you start a qualified retirement plan with auto-enrollment, you may qualify to earn more than $150,000 in tax credits over a three-year period.
Safe Harbor
Simple, compliant, and easy to launch.
Vestwell’s Safe Harbor 401(k) lets you deliver plans that meet IRS requirements—reducing compliance risk, streamlining plan management, and helping your clients attract and retain top talent.
Learn more about Safe Harbor 401(k) plans
Level up your 401(k) offering.
Grow your book with 401(k) plans that save you time, simplify administration, and give you the tools to deliver better client outcomes.
Can I see and manage all of my plans in one place?
Yes. Your advisor dashboard gives you full visibility across every Vestwell plan you manage.
Do you support safe harbor and custom plan designs?
Absolutely. We support flexible designs tailored to your client’s goals—from safe harbor to profit-sharing and more.
Will I have to handle onboarding and compliance?
No. Vestwell’s team supports every step of onboarding and handles ongoing compliance requirements for your clients.
What kind of materials can I use to support client conversations?
We offer a range of educational and sales enablement resources to help you streamline onboarding, guide client decisions, and communicate value.
Can Vestwell integrate with my client’s payroll provider or work with a TPA?
Yes. We have the ability to integrate with 190+ payroll providers and can collaborate with your preferred partners to create a seamless client experience.