Your personal 401(k) AGENT for a rich retirement.
We manage your 401(k) like it’s our own money: kill hidden fees, capture full match, optimize Roth, handle rollovers. Average client adds $184,000 to retirement vs. doing nothing.
$1,284,500
+38% vs current path
avg. fund fee after audit
was 0.78%
100% • $6,750 / yr free money
Not a broker. Not a robo.
Your hired-gun 401(k) agent.
Most 401(k)s are set-and-forget — wrong funds, high fees, missed match. Agent401k.com was built to fix that. We act as your personal agent inside your employer plan: independent, fiduciary, fee-only. No fund commissions. Ever.
Make every American's 401k perform like a pension.EST. 2012
Born from a simple discovery in web archives: agent401k.com started as a resource for employees lost in confusing plan menus. Today we combine human CFP® advisors + smart tech that watches your account daily. If your plan offers it, we optimize it. If it doesn't, we tell you where to complain — and how to supplement with IRA / HSA.
- True fiduciary in writing — we sign it. Your HR doesn't. Your broker won't.
- Fee X-Ray in 24h: we expose expense ratios, revenue sharing, admin wraps.
- Match Maximizer: we tune contributions to capture 100% of free employer money.
- Job-change concierge: leave, roll to IRA, or move to new 401k — handled.
- Tax-smart Roth vs Pre-tax: modeled on your bracket, state, and retirement gap.
Everything your 401(k) needs. Nothing it doesn't.
One agent for accumulation, job changes, and pre-retirement. For employees, self-employed with Solo 401k, and employers who want a better plan.
401(k) Fee Audit & Fund Swap
We scan 20-40 funds in your plan, ditch expensive closet-indexers, build a 3-6 fund all-weather portfolio. Average fee cut: 0.67%.
Match & Contribution Autopilot
We set % to get full match, auto-escalate 1% yearly, front-load correctly, avoid true-up losses.
Rollover & Job-Change Agent
Old 401ks scattered? We consolidate via direct rollovers, avoid 20% withholding, protect backdoor Roth.
Roth vs Pre-Tax Modeling
Bracket-by-bracket forecast. Roth 401k, mega backdoor, in-plan conversions when it actually pays.
Quarterly Rebalance + Guardrails
Auto-rebalance, age glidepath, crash protection rules. You get a 1-page report, not 40 pages.
Employer Plan Second Opinion
For HR & owners: benchmark fees, improve participation, add auto-enrollment, pass nondiscrimination tests.
Real client: $212k → $489k in 7 years
Same contributions. Just lower fees (0.82%→0.09%), proper US/international split, and full match capture.
For employers: 23% higher participation
We run enrollment workshops, 1-on-1s, and plain-English statements. Happier teams, lower turnover.
How much is your 401(k) agent worth to you?
Drag sliders. See compounding + fee savings live. Assumptions: 7% gross return, fees as shown.
WITH AGENT401K (0.09% fee + match)$ —
Claim this difference →Free illustration. No spam.
Simple pricing. Fiduciary promise.
$29/mo
For DIYers who want a watchdog.
- Annual fee X-Ray + fund map
- Match check + contribution tune
- Quarterly email alerts
- Rollover checklist
$99/mo
We manage it. You live life.
- Everything in Monitor
- Full portfolio build + rebalance
- Roth vs pre-tax plan + tax coordination
- Job-change rollovers done-for-you
- 1-on-1 CFP® chat + annual call
- Cancel anytime
Custom
Better plan, happier team.
- Plan benchmark + fee negotiation
- Investment committee support
- Enrollment education
- 3(38) fiduciary option
From chaos to autopilot in 4 steps.
Free X-Ray
Link or upload statement. In 24h you get fees, bad funds flagged, match missed.
Agent Blueprint
CFP® builds fund lineup, Roth split, contribution % for your age & risk.
We Implement
Guided clicks in your 401k portal + auto-rebalance + auto-escalation on.
You Compound
Quarterly 1-page report. Rollover help when you switch jobs. Retire richer.
Loved by nurses, engineers, teachers, founders.
"I was in a 1.12% target-date fund for 9 years. Agent401k moved me to 0.07% index mix. Same risk, $900 more per year staying invested."
— Melissa R., RN, Ohio
Saved $142k projected
"Changed jobs twice. They handled both rollovers in a week, no taxes, no stress. My old 401ks are finally in one clean IRA + new 401k."
— James T., Software Eng.
2 rollovers • 0% withholding
"As an HR manager, participation went from 61% to 84%. Their workshops actually make 401k make sense."
— Priya S., HR Lead
Employer plan client
401(k) questions? Agent answers.
What is a 401(k) agent, exactly?
Think of us as your personal CFO for your employer plan. We don't hold your money — it stays at Fidelity, Vanguard, Empower, etc. We tell you exactly which funds to pick, how much to contribute, Roth vs pre-tax, and when to roll over. Then we monitor it.
Are you a fiduciary?
Yes, in writing. We are fee-only and receive zero commissions from funds. That means our only incentive is your balance going up.
Can you work with any employer plan?
Yes — 401(k), 403(b), 457, TSP, Solo 401(k). If your plan has at least 3 diversified low-cost options, we can build something great. If not, we design an IRA/HSA complement.
Should I roll over my old 401(k)?
Usually yes if fees are high or funds are poor. But not always — sometimes staying preserves Rule of 55 or backdoor Roth. We model leave vs IRA vs new 401(k) before moving a dollar.
What about Roth 401(k) vs traditional?
Depends on current vs future tax brackets. Early career / lower income? Roth often wins. Peak earning? Pre-tax + Roth IRA combo. We run the numbers for you.
How fast do I see results?
Fee savings are immediate. Match capture starts next paycheck. Full blueprint delivered in 3-5 days, X-Ray in 24 hours.
Latest 401(k) intel from your agent.
IRS limits, rollover traps, Roth hacks, fee lawsuits — translated to plain English. Click any story for the full guide.
Sports Iptv
Read full guide →Get your free 401(k) X-Ray today.
Upload your statement or link your plan. Discover hidden fees, missed match, and better funds. Join 12,400+ savers who hired their agent.
- ✓ Fee & fund report (1 page)
- ✓ Match capture calculation
- ✓ Roth vs pre-tax recommendation
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We reply within 1 business day.