# 401k Generation

401k Generation is a Bank / Wealth / Trust based in Altamonte Springs,, United States.

## Overview

- **Organization type:** Bank / Wealth / Trust
- **Headquarters:** Altamonte Springs,, United States
- **Region:** North America
- **Address:** Altamonte Springs, FL, United States
- **Founded:** 2009
- **Assets under management:** Undisclosed
- **Website:** 401kgeneration.com
- **LinkedIn:** https://www.linkedin.com/company/401kgeneration

## Regulatory record

- **CRD number:** 154279
- **SEC file number:** 801-71606
- **Registration status:** Registered
- **Reports private funds:** No
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/154279

## About

401k Generation is an SEC-registered investment adviser in Altamonte Springs, FL, registered since 2010. The firm manages $156 million in assets, with $85 million on a discretionary basis. It has 35 employees and 6 investment advisers.

## Sectors

- Retirement & Wealth Management

## Questions

### What fiduciary role does 401k Generation assume for plan sponsors?

The firm acts as an ERISA 3(21) and 3(38) fiduciary depending on the engagement. Under 3(21), it makes investment recommendations to the plan committee, which retains final discretion. Under 3(38), the firm assumes full investment-manager responsibility, selecting and monitoring the fund lineup directly. This co-fiduciary structure shifts liability away from the plan sponsor for investment decisions.

### What types of retirement plans does the firm service?

The firm services qualified defined-contribution plans, including 401(k) profit-sharing plans, 403(b) plans for nonprofits, and cash-balance pension plans. Its client base consists mainly of small and mid-sized plan sponsors who require outsourced fiduciary support.

### Does 401k Generation provide services to individual participants directly?

Yes, alongside plan-level fiduciary services, the firm offers participant-level managed accounts that allocate an individual's retirement savings according to age, risk tolerance, and retirement-time-horizon inputs. This dual structure—plan fiduciary plus participant-level management—is common among specialist retirement-plan advisory firms.

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Last updated: 2026-07-08T21:45:39.209Z

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