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.
47K+
businesses trust us
600K+
people saving for retirement
$12B+
invested for retirement
Fintech 50
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
For individual savers
Traditional IRA, Roth IRA, Rollovers
Flexible retirement accounts for first-time savers and experienced investors alike.
Did your employer open a 401(k) or SEP IRA? Let’s set up your account
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
No transaction fees
We don’t charge fees for one-off transactions like rollovers, loans, distributions or plan wind-downs.
Low-cost investments
The total fees for our managed portfolios are up to 7x less than the industry average. Learn more
Fair pricing
Affordable 401(k) plan admin fees are covered by employers. Employees are only charged an annual account fee starting at 0.15%.
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.
We’ve teamed up with top payroll providers to make setting up and managing a 401(k) seamless.
See all payrollsPayroll integrations
See all payrollsWe’ve teamed up with top payroll providers to make setting up and managing a 401(k) seamless.
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.
Our investment portfolios are professionally designed and rebalance automatically.
See how it worksIntelligent investing
See how it worksOur investment portfolios are professionally designed and rebalance automatically.
Employees can set up, update, and optimize their 401(k) — anytime, anywhere.
Learn moreMobile app
Learn moreEmployees can set up, update, and optimize their 401(k) — anytime, anywhere.
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.
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.
Our investment portfolios are professionally designed and rebalance automatically.
See how it works
Intelligent investing
Our investment portfolios are professionally designed and rebalance automatically.
Employees can set up, update, and optimize their 401(k) — anytime, anywhere.
Learn more
Mobile app
Employees can set up, update, and optimize their 401(k) — anytime, anywhere.
Live customer support
Customer support specialists when you need them
Everything you need on the road to retirement can be done online—from setup to rollovers to distributions. But if you have any questions along the way, our team of account specialists are here for you.
Get a retirement plan your team will love