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For advisors / Independent Contractor
Infrastructure access

Independent Contractor

Institutional compliance, technology, and fiduciary support under your own brand — while you keep 85–95% of revenue.

Affiliation model Scroll

The Independent Contractor model is infrastructure access, structured as a professional-services relationship between two independent businesses. There is no equity, no co-owned entity, no shared brand. You keep your own firm, your brand, and your client relationships, and pay a transparent, declining service fee for a platform that would cost far more to build alone.

01 | How it works

How the Independent Contractor model works

1
Keep your own firmA master services agreement plus optional addenda. Your RIA, your brand, your clients — non-exclusive, cancelable on 90 days’ notice.
2
Access the platformRetirement-specific compliance support and an integrated CRM, participant-data, and investment due-diligence stack — all in the base fee.
3
Add what you needTurn on optional 3(38) fiduciary outsourcing, participant servicing, or back-office support only when your practice calls for it.
4
Retain 85–95%No broker-dealer payout haircut. A transparent service fee that declines as your revenue grows.
02 | What you get

Why independent advisors choose the contractor model

Keep 85–95% of revenue

A declining, transparent service fee instead of a 35–50% BD grid — often $150K+ more take-home per year.

Your brand and clients

No equity, no co-branding requirement, no exclusivity. Independence stays fully intact.

3(38) as a service

Opt in and we assume the discretionary investment fiduciary liability for your enrolled plans.

One integrated stack

A single platform replaces the 3–5 disconnected tools most solo practices stitch together.

TrailGuide

TrailGuide is your optional upside layer

Every plan you manage is a pipeline of future rollovers — advisors are present for only 22% of them today. Activate participant conversion and TrailGuide monetizes the roughly 80% of participants who fall below advisory minimums: you receive participation revenue on assets you never had to source, pitch, or service.

Opt-in Turn participant conversion on plan-by-plan, only when it fits.
TrailGuide Serves $10K–$250K participants you currently ignore entirely.
Passive Our home office identifies, educates, and onboards — you collect the share.
Compounds A $525K plan practice grows to $560K–$590K by year three on participation alone.
03 | Who it's for

Is this the right fit?

The Independent Contractor model fits advisors who want independence without doing everything alone.

Broker-dealer advisors considering independence
Solo RIAs already operating independently
Practices carrying heavy compliance and tech overhead
Advisors who want optional 3(38) coverage
Independent Contractor

Institutional-grade compliance, fiduciary outsourcing, and a participant-wealth engine at a fraction of the cost to build it — while you keep complete control of your brand, your clients, and your business.