401K Assist, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
401K Assist, LLC serves a small client base that includes high‑net‑worth individuals, retirement plans, corporations, charities and other business entities, offering financial planning, portfolio management and retirement plan consulting. The firm generally requires a $100,000 account minimum (waivable) and provides written financial plans and ongoing monitoring and reporting for client accounts held with custodians or third‑party advisers.
The firm’s investment approach centers on individualized asset allocation using mutual funds and periodic rebalancing, with client goals documented through a multi‑facet financial survey and client investment profiles. Rather than exercising discretionary trading authority, the firm recommends and monitors third‑party investment advisers and custodians, conducts periodic reviews with clients, and discloses that it may receive and share a portion of third‑party adviser management fees (up to 50%).
Distinctive features include the advisor’s role as an independent insurance agent who may receive commissions for insurance product sales and the firm’s explicit disclosure of these commissions as a potential conflict of interest. The firm also provides retirement plan consulting that includes ERISA non‑discretionary (Section 3(21)) services such as preparing investment policy statements and monitoring, but does not act as an ERISA Section 3(38) discretionary fiduciary, and operates as a solo practitioner with a very small client roster and reliance on third‑party managers.
Client services
Expertise
Fee options
Fixed fee between $750 to $1,500 for financial planning; $500 fixed fee to create a retirement plan
$0 - $1,000,000: 1.00% $1,000,000.01 - $5,000,000: 0.75% Above $5,000,000+: Negotiable $0 - $2,000,000: 0.50% $2,000,000.01 - $5,000,000: 0.35% $5,000,000.01 - $10,000,000: 0.25% Above $10,000,000+: 0.20%
Account minimum: $100,000 Minimum fee: Fixed fee between $750 to $1,500 for financial planning services; $500 fixed fee to create a new retirement plan Fee-only: Fixed fees for financial planning ($750-$1,500) and retirement plan consulting ($500 plus asset-based fees)
Main office
San Clemente CA
Advisors at this office
1
Most active in
California · Texas
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
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