Start a 401(k) plan by 12/31/2021. Pay no employer fees for 3 months. 1 28 days 7 hours left! Products Partners Pricing Resources Log In INVESTMENTS Intelligent investments for your 401(k) plan. Employees can choose from low-cost index funds, or we’ll recommend a portfolio that fits their goals. Get started Lower fees give everyone a leg up Over time, 401(k) and investment fees can have a big impact on retirement savings. The funds in our managed portfolios have an average expense ratio under 0.07%2 to help small business owners and employees keep more of their investment growth. We make it easy to choose a portfolio Employees can take our simple risk assessment, then choose a professionally managed portfolio that fits their goals. Or they can create a custom portfolio with 40+ mutual funds from Vanguard and other low-cost providers. Investment portfolios will rebalance automatically. Learn more about our portfolios Very Aggressive Aggressive Moderately Aggressive Moderate Moderately Conservative Conservative 85% Stocks,15% Bonds US Stock Market 48% International Developed Equity 21% Emerging Markets Equity 11% US Bonds 11% International Bonds 4% Real Estate 5% Why no target date funds? The average target date fund has fees of 0.60%.3 We lower these fees by building the portfolios ourselves, and still give participants the flexibility to choose investments that serve a shorter or longer term investment strategy. Keep more of your investment growth When you add in our 0.08% account fee, the estimated total AUM fees for one of Guideline’s managed portfolios can be under 0.15%—that’s about 10x less than the industry average.4 0.15% Guideline account fee (0.08%)5 + average fund fees for managed portfolios (0.07%)2 vs 1.68% Industry average fees charged by 401(k) providers6 See full fund menu Investment Committee Our investment philosophy is simple: keep fees low, diversify investments and ensure they align with age and risk tolerance. As 3(38) fiduciaries, it’s our responsibility to ensure that every investment decision is made in the best interest of plan participants. Jeff Rosenberger Chief Operating Officer Jeff brings over a dozen years working on innovative financial products to Guideline. Prior experience includes stints at Earnest where he led product strategy, Wealthfront where he was an early employee and oversaw research and customer development and at Nomis Solutions where he worked on big data for pricing consumer finance products. Jeff started his career as a data scientist and earned his PhD at Stanford in Management Science & Engineering. Qian Liu Chief Data Officer Qian oversees Guideline's data initiatives including data science, data engineering and analytics. Previously she was Head of Data developing data infrastructure, analytical insights and data products at GoFundMe when it expanded to 3M daily visitors, $2B annual fund raised and 10 countries; she was Director of Research developing investment algorithms at Wealthfront when its AUM grew from 0 to $3B during its earliest phase. She holds a PhD in Computer Science at the University of Pennsylvania and is a CFA charterholder. We help employees choose In addition to our managed portfolios, we also offer guidance and reminders to help employees make the most of their retirement benefits. Risk assessment Employees fill out a quick questionnaire to assess their risk tolerance and how long they have to save. Then we let them pick a portfolio (or individual funds) based on their outlook. Reminders and Tutorials We also offer support content and reminders to help employees understand their 401(k) and how it can help them reach their financial objectives. Product support Employees with questions can always reach out by phone, email, or chat to get personal help from our US-based support team. 85% Customer satisfaction score7 Join 25,000+ companies that have chosen to save with Guideline Get started We’re here to help Live US-based support (888) 228-3491 Sales: 6am - 4pm PST, Mon - Fri Support: 6am - 4pm PST, Mon - Fri hello@guideline.com 1 Customers who sign up for a 401(k) by December 31st, 2021 pay no monthly base fee and no $8 monthly participant fee for 3 months after the new plan begins. This offer cannot be combined with other offers. 2 Guideline’s managed portfolios have blended expense ratios ranging from 0.064% to 0.07% of assets under management. 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 here. 3 The industry average expense ratio for comparable target-date funds is 0.60%. Vanguard Target Date Funds have average annual fees of 0.10% as of December 31, 2019. Source: Vanguard.com. 4 This information is provided for illustrative purposes only, and is not intended to be construed as investment or tax advice. We recommend that you consult a qualified tax and financial advisor to determine the appropriate investment strategy for you. 5 The annual account fee of 0.08% applied to assets under management is calculated and deducted on a monthly basis at 1/12 of the annual stated rate (0.08%) based on the account balance on the last day of each month. 6 The average investment expense of plan assets for 401(k) plans with 25 participants and $250,000 in assets is 1.68% of assets, according to the 20th Edition of the 401k Averages Book, with data updated through September 30, 2019, 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. 7 This customer satisfaction score represents Guideline's average CSAT score from feedback submitted between January 1, 2021 to March 31, 2021. Company About Security Blog Press Careers Resources Support Payroll Integration Investments Privacy Terms of Service ADV & CRS (888) 228-3491 hello@guideline.com 1645 E 6th Street, Suite 200 Austin, TX 78702 Guideline.com is owned and operated by Guideline, Inc. (“Guideline”), an SEC-registered investment adviser. Investment-related content is provided for general information purposes only, and is not intended to be construed as investment advice. Investments involve risk and are not guaranteed.