Traditional 401(k)
Vestwell helps you scale your retirement business with flexible plans, intuitive technology, and the support you need to build high-value client relationships.
A scalable solution for you and your clients.
Vestwell’s 401(k) plan helps you serve clients of all sizes with flexible plan design, integrated technology, and white-glove support—so you can focus on growth, not administration.
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.
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.”
Secure Act 2.0 Tax Credit Calculator.
By offering a qualified retirement plan with auto-enrollment, your clients may be eligible to earn $16,500 or more in tax credits over a three-year period.¹
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.
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.
Questions about 401(k) plans
Yes. Your advisor dashboard gives you full visibility across every Vestwell plan you manage.
Absolutely. We support flexible designs tailored to your client’s goals—from safe harbor to profit-sharing and more.
No. Vestwell’s team supports every step of onboarding and handles ongoing compliance requirements for your clients.
We offer a range of educational and sales enablement resources to help you streamline onboarding, guide client decisions, and communicate value.
Yes. We have the ability to integrate with 190+ payroll providers and can collaborate with your preferred partners to create a seamless client experience.
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The tax credit calculator is meant to be an estimate and it is provided for informational purposes only. It is based on credits that may be available to your business based on the current version of the Internal Revenue Code in effect and does not take into account potential changes to the tax credits that may be available to you that are currently under consideration. This calculator also does not take into account any other aspect of your business that may entitle your business to greater or fewer tax credits from starting or offering a new or existing retirement plan nor does it reflect any other fees or expenses associated with your plan. The tax credits that the Internal Revenue Service determines are available to your business could be materially different from the output of the tax credit calculator.