A modern 401(k) your team will love

Get an easy, affordable retirement plan that can be customized for your business goals and your team.2
Smiling woman holding a smartphone, sitting at a desk in a bright room.
50K+
businesses3
1M+
savers4
$15B+
invested for retirement5
fast company logo
Innovation by Design Award 20246
Veronica S.Govig & Associates
We switched our 401(k) over to Guideline and I haven’t thought about 401(k) in five months. It’s HR nirvana.Client of Guideline. Views may not be representative of other clients.

Start your road to retirement here

Get what works for you—whether that’s a plan for your company and employees or an account for yourself.

For businesses

401(k)
Customizable retirement plans for companies of all shapes and sizes.
SEP IRA
Popular retirement accounts for self-employed individuals and other small business owners.
Compare 401(k) vs SEP IRA

For individual savers

Traditional IRA, Roth IRA, Rollovers
Flexible retirement accounts for first-time savers and experienced investors alike.

Save on fees

We’ve always been bullish on minimizing costs to help people keep more of their money where it matters—in their retirement account.

See the fees you won’t be paying
  • Zero transaction fees for one-off transactions like rollovers, distributions, or plan wind-downs.

    No transaction fees

    We don’t charge fees for one-off transactions like rollovers, loans, distributions or plan wind-downs.

  • A rocket representing the growth of low-cost investments.

    Low-cost investments

    The total fees for our managed portfolios are up to 6x less than the industry average.7 Learn more

  • Two hands cupping a plant representing Guideline’s fair pricing for plan administration fees.

    Fair pricing

    Affordable 401(k) plan admin fees are covered by employers. Employees are only charged an annual account fee starting at 0.15%.8

See our Form ADV 2A Brochure for additional information regarding Guideline’s fees

Powerful tech at your fingertips

We use technology to your advantage—making things easier, faster and more secure on the journey to retirement.2
  • A visual representation of Guideline's integrations system

    We’ve teamed up with top payroll providers to make setting up and managing a 401(k) seamless.

    See all payrolls

    Payroll integrations

    We’ve teamed up with top payroll providers to make setting up and managing a 401(k) seamless.

    See all payrolls
  • A representation of the Guideline account management page

    Manage your plan or account at any time—whether it’s your company plan design, your client’s roster, or your personal contributions and investments.

    Intuitive dashboards

    Manage your plan or account at any time—whether it’s your company plan design, your client’s roster, or your personal contributions and investments.

  • Representation of Guideline's investment interface.

    Our investment portfolios are professionally designed and rebalance automatically.

    See how it works

    Intelligent investing

    Our investment portfolios are professionally designed and rebalance automatically.

    See how it works
  • Representation of Guideline's mobile app interface. Prominent text: $12,692.

    Employees can set up, update, and optimize their 401(k) — anytime, anywhere.9

    Learn more

    Mobile app

    Employees can set up, update, and optimize their 401(k) — anytime, anywhere.9

    Learn more
A visual representation of Guideline's integrations system

We’ve teamed up with top payroll providers to make setting up and managing a 401(k) seamless.

See all payrolls

Payroll integrations

We’ve teamed up with top payroll providers to make setting up and managing a 401(k) seamless.

See all payrolls
A representation of the Guideline account management page

Manage your plan or account at any time—whether it’s your company plan design, your client’s roster, or your personal contributions and investments.

Intuitive dashboards

Manage your plan or account at any time—whether it’s your company plan design, your client’s roster, or your personal contributions and investments.

Representation of Guideline's investment interface.

Our investment portfolios are professionally designed and rebalance automatically.

See how it works

Intelligent investing

Our investment portfolios are professionally designed and rebalance automatically.

See how it works
Representation of Guideline's mobile app interface. Prominent text: $12,692.

Employees can set up, update, and optimize their 401(k) — anytime, anywhere.9

Learn more

Mobile app

Employees can set up, update, and optimize their 401(k) — anytime, anywhere.9

Learn more
  • A friendly customer support specialist assisting a customer with a smile.
  • A dedicated customer support specialist going above and beyond to assist a client.
  • A friendly customer support specialist assisting a customer with a smile.
  • A dedicated customer support specialist going above and beyond to assist a client.
  • A patient customer support specialist listening attentively to a customer's questions.
  • An experienced customer support specialist providing helpful advice.
  • An empathetic customer support specialist providing personalized support to a customer.
  • A friendly customer support specialist assisting a customer with a smile.
  • A dedicated customer support specialist going above and beyond to assist a client.
  • A patient customer support specialist listening attentively to a customer's questions.
  • An experienced customer support specialist providing helpful advice.
  • An empathetic customer support specialist providing personalized support to a customer.
  • A knowledgeable customer support specialist helping a client with a retirement plan.
  • A courteous customer support specialist providing exceptional service to a client.
  • A helpful customer support specialist assisting a client with a retirement plan enrollment.
  • A professional customer support specialist offering expert guidance on retirement savings.
  • A knowledgeable customer support specialist helping a client with a retirement plan.
  • A courteous customer support specialist providing exceptional service to a client.
  • A helpful customer support specialist assisting a client with a retirement plan enrollment.
  • A professional customer support specialist offering expert guidance on retirement savings.

Live customer support

Support you can count on — and call

With Guideline, you and your team get support from our 401(k) specialists via phone or email — our annual plan sponsor customer satisfaction score is 93%.10 See our customer support metrics

Get a retirement plan your team will love
Explore plans
  • 1
    This content is for informational purposes only and is not intended to be taken as tax advice. Please consult a tax professional to determine what types of tax credits or deductions your company is eligible to claim.
  • 2
    The images are illustrative and for educational purposes only. They are not representative of any client account.
  • 3
    As of May 2024
  • 4
    Total number of Savers, both active and non-active, that have participated in Guideline products from 2016-2024.
  • 5
    As of August 2024
  • 6

    2024 Fast Company Innovation by Design Award Winner for Guideline's mobile application in the Mid-Size business category.

  • 7
    This information is provided for illustrative purposes only, and is not intended to be taken as investment or tax advice. Consult a qualified tax and financial advisor to determine the appropriate investment strategy for you. The average investment expense of plan assets for 401(k) plans with 25 participants and $250,000 in assets is 1.26% of assets, according to the 25th Edition of the 401k Averages Book, with data updated through September 30, 2024, and is inclusive of investment management fees, fund expense ratios, 12b-1 fees, sub-transfer agent fees, contract charges, wrap and advisor fees or any other asset based charges. Investment advisory services for Guideline’s 401(k) product (when 3(38) fiduciary services are appointed) and SEP IRA/IRA products are offered by Guideline Investments, LLC, an SEC-registered investment adviser. The managed portfolios have blended expense ratios ranging from 0.058% to 0.061% of assets under management. When combined with an assumed account fee of 0.15% charged by Guideline Investments, LLC, the estimated total AUM fees for one of the managed portfolios can be under 0.22%. Alternative account fee pricing is available ranging from 0.15% to 0.35%. Contact Sales at hello@guideline.com to learn more about exclusive pricing options available in the Enterprise tier. See the Form ADV 2A Brochure for more information regarding fees. Expense ratios for custom portfolios will vary. These expense ratios are subject to change by and paid to the fund(s).View full fund lineup.
  • 8

    Investment advisory services for Guideline’s 401(k) product (when 3(38) fiduciary services are appointed) and SEP IRA/IRA products are offered by Guideline Investments, LLC, an SEC-registered investment adviser. An assumed annual account fee of 0.15% is applied to assets under management and is deducted on a monthly basis. It’s calculated at 1/12 of the annual stated rate (0.15%) based on the account balance on the last day of each month. Alternative account fee pricing is available, ranging from 0.15% to 0.35%. Contact Sales at hello@guideline.com to learn more about exclusive pricing options available in Enterprise tier. See the Form ADV 2A Brochure for more information regarding this fee.

  • 9
    Any graphs or charts depicted are illustrative, for educational purposes only, and not intended to be investment advice. Investing involves risk and investments may lose value.
  • 10
    Guideline’s average plan sponsor satisfaction score (CSAT) based on feedback received from 1/1/2024 to 12/31/2024.

Guideline.com is owned and operated by Guideline, Inc. This website contains content from Guideline, Inc. and its affiliates, each a separate entity with different regulatory marketing requirements and standards. References to "our" or "we" on this website refer solely to Guideline RK, LLC unless otherwise specifically stated.

The information in this website is for informational purposes only and is not intended to be an offer, recommendation, investment advice, legal or tax advice, or a solicitation to buy or sell any security. By using this website, you agree to Guideline, Inc.’s Privacy Policy and Terms and Conditions of Use. Neither Guideline, Inc. nor its subsidiaries, are responsible for information provided by third parties. Information included herein from third parties is believed to be reliable however Guideline, Inc. does not guarantee the accuracy and completeness of that information.

Guideline, Inc. is a technology company that provides an integrated platform to companies who seek to work with 1) Guideline RK, LLC ("Guideline") and/or 2) Guideline Investments, LLC, an SEC Registered Investment Adviser ("RIA"), both of which are wholly owned by Guideline Holdings, LLC. Guideline Holdings, LLC is wholly owned by Guideline, Inc. Neither Guideline, Inc. nor Guideline Holdings, LLC or Guideline RK, LLC is involved in securities activities and is not registered with the SEC or FINRA. Neither Guideline, Inc., nor any of its affiliates, is a bank.

Investment advisory services for Guideline’s 401(k) (when 3(38) fiduciary services are selected) and SEP IRA/IRA products are offered by Guideline Investments, LLC, an SEC-registered investment adviser. For more information regarding fees and services, see Guideline Investments, LLC’s ADV 2A Brochure and Form CRS. References throughout this website to investment advisory services including but not limited to: investments offered, portfolios, managed portfolios, investment philosophy, assets under management (AUM), annual account fees expressed as a percentage of AUM, suitability questionnaire, 3(38) investment advisory management fiduciary services, robo-advisory services, and investment advice, unless otherwise specifically stated, are services provided by Guideline Investments, LLC. Investing involves risk and may lose money, including loss of principal. Investing is not guaranteed and past performance is not a guarantee of future performance. The investment options offered by Guideline Investments, LLC are not FDIC insured.

Recordkeeping services for Guideline’s 401(k) and SEP IRA/IRA products are offered by Guideline RK, LLC. 3(16) plan administration services are also offered by Guideline RK, LLC and only made available to clients who utilize an eligible payroll provider. For more information on Guideline’s pricing, see here. Guideline uses a third-party to provide custodial services. Custodial fees are paid by Guideline.

Any graphs, charts, and other visual aids (collectively referred to as "image(s)") are provided for information purposes only. None of these images can of themselves be used to make investment decisions. No representation is made that these will assist any person in making investment decisions and no image can capture all factors and variables required in making such decisions.

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