If you’re looking for 401(k) plan support in Tri-Cities, WA—including Kennewick, Pasco, and Richland— you’re in the right place. HFG Trust provides business owners and managers with 401(k) plan services built around one simple promise: clarity over confusion. Whether your primary focus is to save for your own retirement or offer a meaningful benefit to your employees, we help you make smart, strategic choices with zero sales pressure.
Your next step is simple. Let’s talk about what’s possible.
What are 401(k) Plan Services?
HFG Trust’s 401(k) plan services encompass a range of support designed to help businesses establish and manage retirement plans with ease and confidence. Our services include:
- Custom plan design tailored to the needs of your business
- Fiduciary centered investment selection
- and monitoring, cost evaluation, and assistance in choosing the right recordkeeper and third-party administrator.
Additionally, and perhaps most importantly, we provide ongoing employee support to help your team understand and make the most of their retirement benefits.
Our 401(k) Services
Whether you’re a solo entrepreneur or a business owner with employees, we’ll guide you through every step, ensuring your 401(k) plan is not only compliant and cost-effective but a valuable asset for your business and your team’s future. We take the complexity out of plan management so you can focus on what matters most, your business and your future.
401(k) Investment Management
Our experienced team conducts ongoing investment research. Depending on the level of service desired, we can provide investment lineup recommendations or directly manage the plan’s investment menu.
401(k) Plan Design
We offer ongoing plan design review, as well as annual due diligence assistance to meet the needs of both the plan sponsor and the plan participants.
Administrative Support
We work hand in hand with your third party administrator to complete yearly tasks required to keep the plan in compliance with ERISA regluations.
Education
Participants have access to ongoing investment guidance, along with the education and support they need to make saving a priority.
Financial Planning
Our team of Certified Financial PlannersTM are available to provide one-on-one financial planning tailored to your employees’ individual circumstances.
Enrollment Meetings
Our 401(k) team conducts enrollment meetings to cover relevant information regarding your plan and answer questions designed to help employees make contributions with confidence.
Trusted and Highly Rated
For over 40 years, clients have trusted HFG Trust for more than just our services. They count on how we show up. Our clients know they’re getting honest guidance, not a pitch, and they stick with us because we stay true to what matters—integrity, clarity, and results.
Built on Trust. Backed by Experience.
Choosing a 401(k) provider isn’t just about getting started. It’s about choosing someone you trust to be there through every change. At HFG Trust, we combine local roots in Washington state with deep expertise in retirement planning, compliance, and investment strategy. We’re here to help you make smart decisions with confidence, year after year.
Here’s what sets us apart:
- A commission-free, fiduciary-first model
- Advisors who listen, educate, and guide—not sell
- Expertise across retirement, estate, tax, and investment planning
- Deep roots in Kennewick, with clients across the country
- A calm, steady approach that prioritizes peace of mind
Benefits of Working with a Fiduciary 3(38) Investment Manager
As fiduciary advisors, we are legally—and ethically—required to act in the best interest of both the plan trustee(s) and participants. By partnering with a 3(38) investment manager, plan sponsors gain the highest level of fiduciary support and oversight.
- We take full responsibility for selecting, monitoring, and updating the plan’s investment options
- The fiduciary risk to the plan sponsor is significantly reduced
- Ongoing investment oversight requires less company time and internal resources
- Our approach often results in more cost-effective investment options for participants
Insights That Move You Forward
Explore expert insights, market updates, and practical retirement planning guidance from the HFG Trust team. Our content is designed to remove friction from financial decisions and empower long-term confidence.
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Frequently Asked Questions
What is the best retirement plan for a small business?
Simple IRA and 401(k) plans are most common for small businesses. The right plan depends on your goals, team size, and budget. We help you choose the best option that balances value, compliance, and growth potential.
Can individuals open their own 401(k) plans?
Yes. We work with self-employed individuals and contractors to create personal 401(k) plans that align with their retirement goals. These plans can offer a large amount of tax-advantaged savings to the self-employed individual and their spouse.
How long does it take to set up a 401(k) plan?
A new plan can be set up in as little as 30 days. We typically see about 45 days from the start of a plan to when the first contributions are made.
How do I move my 401(k) plan to HFG Trust?
Depending on your current plan setup, it could be as easy as signing a form. From plan migratigon to employee communication, our team ensures everything is smooth and secure.
Can I switch from a Simple IRA plan to a 401(k) plan?
Yes, and thanks to Secure 2.0, this is easier than ever. Our team can guide you and your employees seamlessly through this transition.
Ready to Simplify Your Financial Life?
You don’t have to figure this out alone. Whether you’re building your first 401(k) plan or improving an existing one, we’ll help you design a clear path forward.
Let’s build your financial future—together.
