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Be Smart

Your 401k could likely be the most important investment you will ever make. In all likelihood, it will also be your most ignored.

Let's face it. The plans just aren't user friendly.
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How It Works

We strive to meet two main objectives:

  - Provide you with information that can enhance the returns on your 401k account

  - Make that information clear and easy to implement.
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.: About Us :.

401k-PLUS is a service of Guardian Planners, a California state Registered Investment Advisor. Click here for the ADV Part II disclosure for Guardian Planners.

The principal Investment Advisor Associate for Guardian planners has been providing advice and assistance to individuals and businesses since 1988. During that time, he has achieved numerous awards, credentials and industry recognition for his service.

The idea for 401k-PLUS came about for two specific reasons:

1. Almost everyone we speak to has a 401-k, and when they find out what we do, they invariably tell us they don’t know what to do with their 401-k. We help them, but there really wasn’t a way to provide ongoing, timely service to these types of accounts.

2. Typically, the people who need our help most couldn’t afford it. Because of the fees and expenses involved in managing individual investment accounts, a great many people were denied this important tool.

401k-PLUS is the answer to BOTH of these problems. By subscribing to 401k-PLUS, you get professional, timely help, at a price that is affordable to everyone!

Retire Earlier


Earning a higher return on your 401-k dollars can be the easiest way to an early retirement. The other way is of course to save more, but with today's rising prices, that can be difficult. So, let's get your money working harder for you!
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Retire Safer


If you were setting off on a voyage, to a place that you've never been but only dreamed about (like retirement), how would you prepare? You would want to enjoy yourself when you get there, and not be worried about unexpected problems ruining your fun. Your retirement is like that voyage.
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