401(k) Participant Advisory Services for Employees

Participant-Level Guidance for Retirement Plan Success

Many employees participate in a workplace retirement plan but still feel uncertain about their investment choices, contribution levels, or long-term retirement outlook.

BeManaged provides participant advisory services that give employees direct access to independent, fiduciary guidance through one-on-one meetings, retirement projections, and educational support — including free financial wellness and 1-on-1 consultations for employees.

Unlike platform-based advisors who are limited to their company’s investment options, BeManaged operates independently. This allows employees to receive objective guidance focused on their overall financial picture — not product recommendations.



These services are designed to complement your existing plan structure by providing education and personalized guidance, not replacing recordkeeping or plan administration.

Are You an Employee Looking for Guidance?

If you’re an employee of an organization that works with BeManaged and you’re looking to schedule a one-on-one financial conversation, visit our employee resource page to access scheduling options and program details.

Financial Wellness That Leads to Real Decisions

Financial wellness isn’t just about learning, it’s about making changes that improve your financial future. This is where employees get both guidance and help taking action:

• One-on-one consultations about 401(k) investment allocations
• Retirement readiness and income projections
• Contribution strategy and savings planning
• Education on plan investment options
• Guidance on retirement milestones and transitions

BeManaged helps employees implement the changes needed to improve their financial future, not just understand their options..

Multiple Ways for Employees to Engage

Successful participant advisory programs make guidance easy to access. BeManaged supports employee financial wellness through:

• Scheduled one-on-one meetings for personalized financial guidance
• Onsite or virtual consultation days as part of ongoing financial wellness support
• Group financial wellness workshops and education sessions
• Ongoing availability for participant questions and follow-up conversations

Offering both educational sessions and individual consultations encourages higher engagement and stronger outcomes.

Fiduciary Guidance Without Product Sales

BeManaged operates as a fee-only fiduciary firm. We do not accept commissions and we do not sell insurance or annuity products.



This structure allows participant guidance to focus on education and long-term planning rather than product recommendations.

Clarifying Roles and Responsibilities

Participant advisory services are designed to support employees while maintaining clear separation between plan administration and participant guidance.



Plan sponsors remain responsible for overall plan oversight, while our role focuses on providing structured education and individual conversations that help participants understand their retirement options and decisions.

Serving Employers and Employees Across West Michigan

BeManaged is headquartered in Grand Rapids and works with employers and employees throughout West Michigan, including Ada, Holland, and Kalamazoo. Programs can be delivered onsite, virtually, or through a hybrid model.

401(k) Participant Advisory FAQs