Is Your 401(k) as Healthy as You Think?
Hidden fees and missing services could be draining your plan. Our complimentary 401(k) Savings Checkup uncovers the truth — so you can protect your business, your employees, and your bottom line.
Check Your Plan's Health in Seconds.
Why Qmulate 401k?
Real advice. Real humans. Real retirement results.
Personalized Advice
We offer personalized investment advice to each participant, helping align their risk with goals. No cookie-cutter solutions — real strategies built for your team.
Clear Costs
We help identify advisory, recordkeeping, administration, investment, and participant fees so you can evaluate the plan's total cost.
Fiduciary Care
Qmulate provides non-discretionary, limited-scope ERISA 3(21) investment advice while the plan sponsor retains final authority over plan decisions.
Real Advisors, Not Robots
You and your employees speak with real advisors who understand retirement planning — not a chatbot. Get clear answers when it matters most.
Simple Setup
We make it easy to transition your plan with minimal disruption. Our team handles the details so you can focus on running your business.
Employee Support
We provide ongoing guidance to your employees, helping them make better decisions and feel confident about their retirement future.
Our Trusted Partners
Qmulate provides limited-scope ERISA 3(21) fiduciary advice. Independent providers handle plan custody, recordkeeping, and administration based on each plan's design and size.
Vanguard - Custody
For plans using Vanguard, plan assets are held separately from Qmulate through the plan's custodial arrangement.
Ascensus - Recordkeeping & TPA
Ascensus may provide recordkeeping and third-party administration services for plans using that service arrangement.
Ubiquity - Small Plan Services
Ubiquity Retirement + Savings may provide plan and recordkeeping services for certain smaller-business arrangements.
The providers used for a specific plan are identified in the plan documents and service agreements. Qmulate focuses on non-discretionary investment advice and participant education within its limited-scope 3(21) role.
Get Your Free 401(k) Savings Checkup
Call us at 805.465.7370 opt 1 or email us at [email protected] to learn how we can help with your retirement plan. You can also complete the form below and schedule a complimentary call at a time that works best for you.