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What is a 3(16) and 3(38) Fiduciary for 401(k) Plans?

Understand the differences between a 3(16) and 3(38) fiduciary, and their roles in your retirement plan.

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3(16) fiduciary 3(21) fiduciary 3(38) fiduciary compliance DOL EBSA ERISA fiduciary fiduciary responsibility
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Advisory products and services are offered through WealthyX LLC, an SEC-registered investment adviser. WealthyX automated investing service may rebalance your investment portfolio whenever the markets shifts. For more details see Wealthyx’s FORM ADV Part 2 and Part 3 (CRS), and the WealthyX Privacy Notice. Kapitall Generation LLC, an SEC registered broker-dealer and member FINRA/SIPC, provides brokerage services as introducing broker for Wealthyx’s advisory accounts. Check the background of Kapitall Generation or one of its investment professionals using FINRA’s BrokerCheck. For more details please see Kapitall Generation Form CRS. Apex Clearing Corporation, a third-party SEC registered broker-dealer and member FINRA/SIPC, provides clearing and execution services and serves as qualified custodian for advisory assets of WealthyX and Kapitall Generation Clients. Products offered by WealthyX LLC and Kapitall Generation LLC are Not FDIC Insured, Not Bank Guaranteed, and May Lose Value. Investing involves risk, including the risk of losing principal. Past performance is not necessarily indicative of future results. Asset allocation and diversification does not necessarily eliminate the risk of experiencing investment loss.

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