A 401(k) is a room full of future clients you already have access to.
Adding a 401(k) to a business relationship gives you a stickier reason to stay close to the owner — and a standing invitation to every employee's financial life. Balances build, people retire, people leave, people inherit. Those moments are wealth opportunities, and they repeat year after year.
We take the entire 401(k) advisory scope — design, pricing, implementation, fiduciary service, participant engagement — and treat every wealth signal it produces as yours. Navigate doesn't compete for your households. Routing back to you is the point of the partnership, written into how we track opportunities.
The plan gives you a reason to be in front of the business owner every year on something they can't ignore — and a co-branded presence with their whole workforce.
Technical discovery, benchmarking, provider selection, implementation, and ongoing fiduciary service sit with us. You participate as much or as little as you want.
One-on-ones, webinars, and payroll-triggered outreach surface who is ready for advice — so the referral is warm, timed, and already expecting a conversation.
You draw the line. We route to it.
Before the first plan goes live we agree on what a qualified opportunity looks like for your firm. Everything above the line goes to you. Everything below stays on TrailGuide as a nurtured pipeline that can graduate to you later.
Full wealth management with you, on your platform, under your fee schedule. We hand over the context and step out of the advice relationship.
Guided wealth management on our micro-market platform — so no participant is told they're too small to help, and none of them ends up at a competitor.
Thresholds and criteria are set per partnership and can be revised at any time as your firm's profile changes.
Payroll data tells us who is ready before they do.
Our engagement stack connects to the recordkeeper and payroll systems behind the plan, so outreach lands at the moment something changes in a participant's life — and the wealth signals it produces are captured, not guessed at.
Integrations across 200+ payroll systems keep census and participant data current instead of six months stale.
New hires, terminations, birthdays, and age 59½ milestones fire timely, personal outreach — the moments rollovers actually happen.
Audience segments built from payroll and recordkeeper data — high earners, large balances — so campaigns reach the right participants.
Outreach can be white-labeled to your firm at the plan level — newsletters, education decks, one-on-one invitations. Participants see your name alongside ours, which makes the referral feel like a continuation rather than a handoff.
From signal to your first meeting.
Every referred opportunity is attributed to your firm.
Referrals get lost when nobody writes them down. Each opportunity is logged against the referring firm in our CRM at creation, so the trail from plan to household is auditable by both sides.
The 401(k) advisory fee is shared between our firms, and referred wealth is compensated in the direction of whoever holds the relationship. Both are set per partnership — driven by who sources the opportunity, who services it, and the volume behind it.
A typical structure has Navigate leading on the plan side and your firm leading on qualified wealth, with the reverse split on TrailGuide relationships we service.
Structures vary by your affiliation model and home office. We work within what your compliance department will approve.
Start with one plan and one definition.
Bring us a single 401(k) opportunity. We'll agree on what a qualified wealth client means for your firm, run the plan, and route what surfaces back to you.