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.1

Smiling woman holding a smartphone, sitting at a desk in a bright room.
50K+

businesses2

1M+

savers3

$15B+

invested for retirement4

fast company logo

Innovation by Design Award 20245

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.

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.

  • 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.6 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%.7

Powerful tech at your fingertips

We use technology to your advantage—making things easier, faster and more secure on the journey to retirement.1

  • 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.

    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.

    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.8

    Mobile app

    Employees can set up, update, and optimize their 401(k) — anytime, anywhere.8

    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%.9 See our customer support metrics

Get a retirement plan your team will love

Explore plans