Vestment 401K Advisors LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Vestment 401k Advisors LLC is a state-registered investment adviser that, at initial registration, reports no regulatory assets under management. The firm focuses on retirement plan consulting and ERISA fiduciary services for participant-directed defined contribution plans (401(k), 403(b), profit sharing) and also offers customized portfolio management and trust services for individuals, high-net-worth clients, and nonprofit entities, along with standalone financial planning and consulting.
The firm's investment approach emphasizes Modern Portfolio Theory, passive index-based asset allocation, and quantitative fund screening using tools such as the Fi360 Fiduciary Focus Toolkit; it documents objectives and replacement criteria in formal Investment Policy Statements and conducts target-date and QDIA due diligence. For retirement plans the firm can serve as an ERISA 3(38) discretionary investment manager or as a 3(21) non-discretionary advisor, and for private wealth accounts it provides both discretionary management under a limited power of attorney and non-discretionary recommendations, relying on institutional custodial and recordkeeper platforms for automated rebalancing and trade execution.
Compared with peers in the same registration category, the firm is notable for offering a combination of pension consulting/ERISA fiduciary services and retail-facing offerings — including employee financial education workshops, hourly and fixed-fee financial planning, and tiered or fixed-fee plan and wealth management options — features that are statistically uncommon among similarly registered firms. The firm also maintains a strict inbound-only policy for participant engagements and separates any insurance-related activities through written disclosures and engagement boundaries, and it does not act as a private fund adviser or participate in wrap-fee programs.
Client services
Expertise
Occupation focus
Fee options
Financial planning fixed fees ranging from $1,500 to $5,000; fixed-fee wealth management ranging from $3,500 to $25,000 annually
$0 - $1,000,000: 0.50% annually $1,000,001 - $5,000,000: 0.25% annually $5,000,001 - $10,000,000: 0.15% annually $10,000,001+: 0.05% annually $0 - $500,000: 0.75% annually $500,001 - $1,000,000: 0.60% annually $1,000,001 - $3,000,000: 0.45% annually $3,000,001+: 0.30% annually
Commission received from independent insurance products sales (non-variable)
$250 per hour
Main office
Naperville IL
Advisors at this office
1
Most active in
Illinois
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Not sure where to start?
We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor’s Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and introductions are provided by FinanceHQ LLC (“FHQ”), a wholly-owned subsidiary of Warmer and an SEC-registered investment advisor. We receive compensation from certain participating advisors for introductions or referrals. This creates a conflict of interest because we have an incentive to recommend advisors who compensate us, including those who pay us more. You pay no fee to use our matching service, and advisor fees are not increased because of a referral or introduction. We do not review the ongoing performance of advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to our Terms of Service and Advisory Agreement, and acknowledge our Privacy Policy. Please review FHQ’s ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. (“Warmer”)