Most savers have never had a guide.
Financial advice has historically been built around people who already have money. Most participants in a 401(k) plan have never had a conversation with an advisor at all — and that is exactly the gap this model exists to close.
Americans who report working with a financial advisor.
Source: Northwestern Mutual, 2023 Planning & Progress Study (37%).
Typical account minimum at traditional wealth firms — above what most savers will ever hold.
Illustrative industry-typical private wealth minimum; varies by firm.
Median 401(k) balance for participants ages 35–44 — a decision-heavy stage with no guidance attached.
Source: Vanguard, How America Saves 2024 ($35,537 median).
Third-party figures are cited per stat above and reflect the referenced reports as of their publication; survey results vary by methodology and year. The $250k figure is illustrative of common private-wealth account minimums and is not attributed to a single firm or source. These figures frame an industry problem and are not a guarantee of any outcome.
Advice as part of the plan, not an upsell.
Enrollment meetings, one-on-one sessions, and a real person to call — delivered to the whole workforce, from the newest hire to the executive team.
And the guidance continues past the plan.
TrailGuide carries the same mission into personal wealth advice — built for savers with $25,000–$300,000 in investable assets, the exact people the industry tends to route to a call center.
No one in your workforce gets told they are too small to help.
One guide, the whole journey.
Support and resources, built in.
Wealth solutions for whatever comes next.
Some savers need more than a plan account — a rollover managed, a household's full picture planned. We have a fit for both, and we only recommend them when they're genuinely in the participant's best interest.
Guided, personal wealth advice with no high minimum — a natural home for a rollover IRA and everyday planning.
Explore TrailGuideOur sister firm for higher-balance households — full financial planning and investment management as needs grow.
Explore Navigate WealthClear, unbiased help weighing every option when a saver changes jobs or heads into retirement.
See the optionsEvery recommendation we make is held to a fiduciary standard — what's right for the saver, not what pays us most. That's the thread through the entire journey, from the plan itself to the day someone rolls over or retires.
Give your people a guide.
See how Navigate 401(k) supports participants at every step — or book a one-on-one to experience it firsthand.