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Special offer: no employer fees for 12 months1

Open a QuickBooks-integrated 401(k) with Guideline by September 301

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Already have a 401(k)? Transferring to Guideline is easy.

Schedule a demo

Cliff JNorth Valley Counseling
Guideline’s integration with QuickBooks was really important to me. I run my entire business through my cell phone. The more I can link to my QuickBooks account, the better off I am.Client of Guideline. Views may not be representative of other clients.
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How payroll and a 401(k) work together

Our platform will securely sync your QuickBooks Payroll and Guideline 401(k) data so any updates or changes will be reflected in both places automatically—saving you time and hassle.

  • Seamless plan management

    401(k) contributions are automatically deducted each pay run. No need to maintain deductions or manually re-enter payroll data.

  • Easy employee onboarding

    When employees become eligible to join the plan, we'll notify them and enroll them on your behalf — and provide full support along the way.

Priced to help you save more

Our plans come with low monthly costs and no transaction fees. Open a 401(k) today and get $0 employer fees for 12 months.1

  • Starter
    Special offer
    $39
    $0
    / month
    +$4/mo per active participant
    $0

    A simplified 401(k) with limited features and easy administration.

    Get started
    • $6,000 employee contribution limit

    • No employer contributions

    • Must be a new 401(k) plan

    • Must connect with an eligible payroll provider

  • Core
    Special offer
    $89
    $0
    / month
    +$8/mo per active participant
    $0

    A foundational 401(k) with robust features and more plan design options.

    Get started
    • $23,500 employee contribution limit3
    • Safe Harbor

      or Traditional 401(k)

    • Features like employer contributions and profit sharing

    • Can connect with any payroll provider

  • Enterprise
    Special offer
    $149
    $0
    / month
    + active participant fee
    $0

    Our most custom 401(k) with exclusive pricing options and premium support.

    Contact sales
    • $23,500 employee contribution limit3

    • Flexible pricing options

    • Premium support for plan admin and employees

    • Support for plan transfers

Get back up to $16,500 in tax credits2— see if you're eligible.

Foundational services & features on every plan

  • Finger snapping simple icon.

    Automated plan admin

    We handle recordkeeping, custodial services,5 compliance testing,6 and guided employee onboarding.

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    3(38) and 3(16) fiduciary services

    We can help file IRS and DOL reports and sign your 5500.7

  • Lightning bolt simple icon.

    Award-winning app

    Your team can easily manage their 401(k) account on their phone.8

  • $0 rollover fee
  • $0 loan fee
  • $0 distribution fee

Refer to Guideline’s Form ADV 2A Brochure for additional information regarding Guideline’s fees.

Help employees save more

Active employees are only charged an annual account fee starting at 0.15%9 (0.0125%/month) with no transaction fees.

Refer to Guideline’s Form ADV 2A Brochure for additional information regarding Guideline’s fees.

Calculator

Estimate your plan costs

If you’re starting a new 401(k), your small business may be eligible to receive up to $16,500 in tax credits over the plan’s first three years to help offset initial plan costs.10

Retirement plans that put people first

  • A guiding hand

    We provide educational investing webinars, portfolio recommendations, and live support.

  • Seamless tech integrations

    Simple management

    Our modern dashboard and mobile app lets your employees view their savings and make updates at any time.

  • Low-cost investments

    The low-cost funds in our managed portfolios are diversified across asset classes. View our full fund menu.

  • Intelligent investing

    All of our investment portfolios rebalance automatically to help your employees’ retirement goals stay on track.

50K+

businesses11

1M+

savers12

$15B+

invested for retirement11

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Innovation by Design Award 20248

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

Explore plans

Contact us

  • 1
    Employer fees included in this promotion are the monthly base fee after the new plan begins. Other employer-paid service fees are not included in this promotion. Participant-paid fees are not included in this promotion and will still apply. See here for more information regarding Guideline's fees. We reserve the right to modify or discontinue this promotion at any time without prior notice.
  • 2
    You should consult a tax professional to determine what types of tax credits or deductions your company is eligible to claim.
  • 3
    May be adjusted annually to account for IRS cost-of-living adjustments. Learn more
  • 4
    In general, Safe Harbor 401(k) plans automatically satisfy Top Heavy requirements. One exception is for plan years in which the employer makes discretionary contributions (such as profit sharing contributions) in addition to Safe Harbor contributions. Removing Safe Harbor contributions mid-year will also require plans be subject to all compliance testing.
  • 5

    Investment advisory services for Guideline’s 401(k) product (when 3(38) fiduciary services are appointed) and SEP IRA/IRA products are offered by Guideline Investments, LLC, an SEC-registered investment adviser. Recordkeeping services are offered by Guideline RK, LLC. 3(16) plan administration services are also offered by Guideline RK, LLC and only made available to clients who utilize an eligible payroll provider. Guideline uses a third-party to provide custodial services. Custodial fees are paid by Guideline.

  • 6
    All plans of related entities must be administered by Guideline in order to provide compliance testing.
  • 7

    Investment advisory services for Guideline’s 401(k) (when 3(38) fiduciary services are appointed) are offered by Guideline Investments, LLC, an SEC-registered investment adviser. 3(16) fiduciary services are offered by Guideline RK, LLC and only made available to clients who utilize an eligible payroll provider. Guideline uses a third-party to provide custodial services. Custodial fees are paid by Guideline.

  • 8

    2024 Fast Company Innovation by Design Award Winner for Guideline's mobile application in the Mid-Size business category.

  • 9
    This information is for illustrative purposes only, and is not intended to be construed as investment or tax advice or as an assurance or guarantee of future performance. Investing involves risk, and investments may lose value. Investment advisory services for Guideline’s 401(k) product (when 3(38) fiduciary services are appointed) are offered by Guideline Investments, LLC, an SEC-registered investment adviser. An assumed annual account fee of 0.15% is applied to assets under management and is deducted on a monthly basis. It’s calculated at 1/12 of the annual stated rate (0.15%) based on the account balance on the last day of each month. Alternative account fee pricing is available, ranging from 0.15% to 0.35%. Contact Sales at hello@guideline.com to learn more about exclusive pricing options available in Enterprise tier. See the Form ADV 2A Brochure for more information regarding this fee.
  • 10
    This content is for informational purposes only and is not intended to be taken as tax advice. Please consult a tax professional to determine what types of tax credits or deductions your company is eligible to claim.
  • 11
    As of August 2024
  • 12
    As of December 2024

Guideline.com is owned and operated by Guideline, Inc. This website contains content from Guideline, Inc. and its affiliates, each a separate entity with different regulatory marketing requirements and standards. References to "our" or "we" on this website refer solely to Guideline RK, LLC unless otherwise specifically stated.

The information in this website is for informational purposes only and is not intended to be an offer, recommendation, investment advice, legal or tax advice, or a solicitation to buy or sell any security. By using this website, you agree to Guideline, Inc.’s Privacy Policy and Terms and Conditions of Use. Neither Guideline, Inc. nor its subsidiaries, are responsible for information provided by third parties. Information included herein from third parties is believed to be reliable however Guideline, Inc. does not guarantee the accuracy and completeness of that information.

Guideline, Inc. is a technology company that provides an integrated platform to companies who seek to work with 1) Guideline RK, LLC ("Guideline") and/or 2) Guideline Investments, LLC, an SEC Registered Investment Adviser ("RIA"), both of which are wholly owned by Guideline Holdings, LLC. Guideline Holdings, LLC is wholly owned by Guideline, Inc. Neither Guideline, Inc. nor Guideline Holdings, LLC or Guideline RK, LLC is involved in securities activities and is not registered with the SEC or FINRA. Neither Guideline, Inc., nor any of its affiliates, is a bank.

Investment advisory services for Guideline’s 401(k) (when 3(38) fiduciary services are selected) and SEP IRA/IRA products are offered by Guideline Investments, LLC, an SEC-registered investment adviser. For more information regarding fees and services, see Guideline Investments, LLC’s ADV 2A Brochure and Form CRS. References throughout this website to investment advisory services including but not limited to: investments offered, portfolios, managed portfolios, investment philosophy, assets under management (AUM), annual account fees expressed as a percentage of AUM, suitability questionnaire, 3(38) investment advisory management fiduciary services, robo-advisory services, and investment advice, unless otherwise specifically stated, are services provided by Guideline Investments, LLC. Investing involves risk and may lose money, including loss of principal. Investing is not guaranteed and past performance is not a guarantee of future performance. The investment options offered by Guideline Investments, LLC are not FDIC insured.

Recordkeeping services for Guideline’s 401(k) and SEP IRA/IRA products are offered by Guideline RK, LLC. 3(16) plan administration services are also offered by Guideline RK, LLC and only made available to clients who utilize an eligible payroll provider. For more information on Guideline’s pricing, see here. Guideline uses a third-party to provide custodial services. Custodial fees are paid by Guideline.

Any graphs, charts, and other visual aids (collectively referred to as "image(s)") are provided for information purposes only. None of these images can of themselves be used to make investment decisions. No representation is made that these will assist any person in making investment decisions and no image can capture all factors and variables required in making such decisions.

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