Affordable, Efficient 401(k) Plans—Backed by Real Support

A 401(k) plan should be more than just a benefit—it should be a smart, sustainable tool to help businesses, and their employees, build a stronger financial future.

At AWM, we offer cost-effective, simplified 401(k) solutions designed for established businesses, startups, and growing teams. But what truly sets us apart is the service. We’re hands-on, responsive, and committed to clear communication—so you're never left guessing about your plan or your responsibilities.

Whether you're setting up a plan for the first time or looking to improve an existing one, we’re here to guide you through it with personalized support every step of the way.

How We Can Help

Affordable

You work hard to offer a retirement plan—but are you getting the value you deserve?

Many companies don’t realize most plans are designed incorrectly or how much they’re actually paying in hidden fees. At AWM, we believe transparency matters and we can help without moving your current plan. As your plan advisor we help with your current plan by helping lower pricing, we help lower your current fees, and if it is a start-up plan, we can often have little to no startup costs—so you can invest in your team’s future without the surprise charges.

Liability

If you or someone on your team is acting as the plan trustee, you're likely carrying more liability than you realize. We help reduce that risk by shifting responsibility to an independent fiduciary, so you can focus on running your business, and not worry about compliance.

Through our ERISA 3(16) and 3(38) fiduciary services, we can bring in professionals who are legally—and ethically—required to act in your employees’ best interests. It’s protection for your people, and peace of mind for you.

Enrollment

Offering a 401(k) shouldn't feel like adding another job to your plate. With online enrollment and easy participant access, your team can get started without you having to lift a finger. We handle education, support, and guidance—so you don’t have to. Participants can take control of their retirement accounts with investment options that fit their comfort level. Whether passive index funds, actively managed portfolios, or simple, diversified target-date funds. It's all about giving your people the tools to make confident decisions—while you and your team stay focused on what you do best.

Recordkeeping

Your 401(k) plan should run smoothly without draining your time or resources. We help streamline your plan by connecting you with a reliable recordkeeper who handles the behind-the-scenes work: tracking balances, contributions, deferrals, eligibility, vesting, and more. Participants get access to a user-friendly website, regular account updates, and quarterly statements, all designed to keep them informed and engaged. It’s everything your plan needs to run efficiently with less stress on you and your team.

Administration

Retirement plan compliance can be complicated, but it doesn’t have to be your problem. We connect you with an experienced Third-Party Administrator (TPA) who takes care of the heavy lifting: compliance testing, IRS forms, and maintaining your plan documents. That means fewer headaches, fewer worries, and more time for you to focus on your business. With a trusted TPA in place, you can feel confident that your plan stays compliant, and your team stays protected.

Investments

When you work with Affluent Wealth Management, you're not just getting a retirement plan, you're getting a partner who’s always looking out for you and your team. We regularly review and optimize your investment lineup to ensure access to high-quality, low-cost fund options that align with your goals. And because support matters, each participant receives a dedicated Relationship Manager, plus access to one-on-one investment advice with our team—at no extra cost. It’s more than just managing plans; it’s about empowering people with guidance they can trust.

Let’s Get Started