WEALTH ADVISORS
A new book of business is waiting.
Millions of small business owners need retirement plans. That’s a powerful growth opportunity just waiting for you. 401GO gives you the tools, support and built-in expertise to serve plan sponsors confidently, without the learning curve.
We Automate Everything But Your Relationships
401GO makes you the advisor of record without making you a retirement specialist.
You stay the trusted face for your business owner clients. We handle the ERISA complexity, the investment menu, the compliance, and the ongoing administration. Your name is the one participants see. And when an employee leaves and needs to roll over their account — they already know who to call.
You don’t need to know the difference between a 3(16) and a 3(38) to own this relationship. We handle the fiduciary exposure. You handle the client connection.
The Right Plan for Every Client
401GO covers the full range of retirement needs so you can say yes to the right plan for you.
Standard 401(k)
The core offering, built for SMBs
Safe Harbor 401(k)
Simplified compliance for employers who want it
Starter 401(k)
For businesses just getting started
Solo 401(k)
For owner-only businesses
ERISA 403(b)
Purpose-built for tax-exempt organizations
Traditional IRA
Individual retirement access
Cash Balance
For businesses with more complex planning needs
THE GENERATIONS
Grow Your Value, Not Your Team.
You don’t need to outsource retirement planning to someone else. You don’t need to hire a retirement specialist or dedicated plan administrator. 401GO gives you the infrastructure to own the entire financial relationship for your business owner clients, even if workplace retirement is new territory for you.
Limit your fiduciary exposure
3(38) fiduciary coverage means we own liability on the investment menu. You advise on plan design and stay close to the relationship without taking on ERISA risk. Most wealth advisors who are new to retirement plans don’t realize this protection exists — it changes the calculus entirely.
Close plans in one conversation
The proposal and onboarding process doesn’t require specialist expertise. It’s fast enough, and clean enough, that you can open the conversation with a business owner and close it in the same meeting. The SECURE 2.0 tax credit story alone gives you a compelling reason to bring this up with any client who doesn’t currently offer a plan.
Get upstream of rollover assets
Participant wealth visibility means you see when an employee terminates — before their rollover hits the market. You’re already positioned. You already have the relationship. That’s a pipeline no cold outreach strategy can replicate.
Own more of the relationship
Right now, your business owner clients are introducing someone else — a plan recordkeeper, a TPA, a third-party advisor — to their employees. 401GO lets you be the face of the plan instead. It deepens your bond with the business owner and opens a direct channel to their entire workforce.
Let the platform do the operational work
Build fund lineups. Set pricing structures. Generate proposals. Track plan activity through a real-time dashboard. All from your advisor portal. Support for sponsors and participants is handled by our dedicated team — so you get credit for a great experience without managing every detail.
You’ve built the relationship. 401GO gives you the infrastructure to monetize every part of it.
CLIENT TESTIMONIALS
Your Peers Know the Story
Additional Resources
FREQUENTLY ASKED QUESTIONS
Questions? We’ve Got Answers.
Honest answers about how the platform works, what it costs, and where it fits..
I’m not a retirement specialist. Is this actually realistic for me?
You’re exactly who we had in mind when we built this. 401GO handles ERISA compliance, the investment menu, plan administration, and participant support. You set the pricing, stay in the client relationship, and take credit for a great experience. The onboarding process was designed to be completed without specialist training. if you can have a conversation with a business owner about their finances, you can close a retirement plan.
How does the fiduciary piece work?
401GO offers flexible investment fiduciary options to fit different advisory models. Plans can use the GO Invest 3(38) investment lineup, work with a third-party investment fiduciary, or maintain greater control over investment selection themselves. The level of investment fiduciary responsibility varies depending on the approach you choose.
If you are newer to retirement plans, these options can provide access to experienced investment fiduciary support while allowing you to stay focused on client relationships and plan growth. That’s a meaningful distinction and one reason many advisors feel comfortable expanding into qualified plan business.
Can I build my own investment lineup?
Yes. You can use the GO Invest lineup, which is broader than most competitors offer by default, or build a custom lineup from thousands of funds through our custodial partner, Matrix Trust. We also work with specialty investment advisors if you want a premium, closely managed option. The choice is yours — and you can set different lineups for different clients.
How do I get paid?
You set your own fee structure inside the advisor portal — flat fees, AUM-based, one-time, or banded by volume. We collect and deposit directly to your RIA or broker-dealer. No manual invoicing, no client payment friction, no chasing. It’s designed to make sure getting paid is the easiest part of the whole engagement.
What happens when I sign up a business owner client? Do I lose control of the relationship?
The opposite. You become the advisor of record on the plan. Your name is on the account. You have visibility into participant activity. When employees leave and roll over their assets, you’re the natural next call. 401GO sits in the background handling operations. You stay front and center with the client.
INSIGHTS
From the team.
What’s actually changing in retirement infrastructure, the advisor channel, and the technology underneath it. Written by the people building it, not a content agency.
FUTURES BUILT HERE
Own the Whole Relationship
Your business owner clients trust you with everything except the one account that touches every one of their employees. 401GO helps you fix that without becoming a retirement specialist to do it.
