Retirement
for all

Invest in your people, your business and yourself with effortless and affordable retirement plans.

A group of employees in a small business
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Getting started with Guideline

Only 10% of small businesses in the US offer a retirement plan. We’re changing that.

Guideline at a glance

Our platform takes complexity and doubt out of retirement planning and replaces it with knowledge and clarity. Now people can invest in their financial future with confidence.

Start your road to retirement here

Get what works for you—whether that’s a plan for your business and employees or an account for yourself.

For business owners

  • 401(k)

    Customizable retirement plans for businesses 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.

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

    No transaction fees

    We don’t charge fees for one-off transactions like rollovers, loans, distributions or plan wind-downs.

  • Low-cost investments

    Low-cost investments

    The total fees for our managed portfolios are about 10x less than the industry average. Learn more

  • Fair pricing

    Fair pricing

    On Guideline 401(k) plans, employers cover plan administration fees. Employees are only charged an 0.08% annual account fee.

Powerful tech at your fingertips

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

  • Integrated payroll shown on a phone interface

    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.

    See all payrolls
  • Dashboard shown on a phone interface

    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.

  • Investing dashboard shown on a phone interface

    Our investment portfolios are professionally designed and rebalance automatically.

    See how it works

    Intelligent investing

    Our investment portfolios are professionally designed and rebalance automatically.

    See how it works
  • Customer support specialist
  • Andrew
  • Customer support specialist
  • Andrew
  • Tucker Vogel
  • Elizabeth Willey
  • Customer support specialist
  • Customer support specialist
  • Andrew
  • Tucker Vogel
  • Elizabeth Willey
  • Customer support specialist
  • Belen De La Torre
  • Joe Keil
  • Nate Cook
  • Lilly Nguyen
  • Belen De La Torre
  • Joe Keil
  • Nate Cook
  • Lilly Nguyen

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.

Guideline at a glance

Everyone has a future.
Now everyone can invest in one.

Let’s get started
Let’s get started