PGW Financial 401(k) Advisors
A Division of PGW Financial LLC
Personal guidance · For employers
Retirement plan consulting for small businesses.
Work directly with Tim Hartle, fiduciary financial advisor, on your employer retirement plan. PGW Financial LLC provides ERISA Section 3(21) non-discretionary fiduciary investment advice and recommendations, alongside plan reviews, fee benchmarking and employee education as specified in the written engagement. The plan sponsor or other authorized plan fiduciaries retain investment decision-making authority.
Services
Every service, in plain terms.
PGW Financial LLC offers ERISA Section 3(21) investment advisory fiduciary services only. PGW provides fiduciary investment advice and recommendations; the plan sponsor or other authorized plan fiduciaries retain decision-making authority for plan investments. PGW does not provide ERISA Section 3(38) discretionary investment management. Specific responsibilities are defined by the written engagement.
Plan review
A structured, written walk through plan design, investments, participation and administration.
Read moreFiduciary services
ERISA Section 3(21) fiduciary investment advice and recommendations, with investment decisions retained by authorized plan fiduciaries.
Read moreFee benchmarking
Identify potential savings and service improvements through plan-specific fee and provider comparisons.
Read moreEmployee education
Jargon-light sessions and materials so employees understand the plan they are offered.
Read morePlan sponsor resources
A curated starting list of primary-source government material for people who run a retirement plan.
Read moreWho this is for
A fit check.
Owners and HR leads who sponsor a plan but have no benefits department
Committees who want a written, repeatable review process
Companies considering whether to look again at their provider
Related reading
From the library.
Plan fiduciary basics for small business owners
Who counts as a fiduciary, what the core duties are, and why hiring help does not hand the responsibility away.
FeesReading your 401(k) fee disclosures
A practical way to list every charge, see who gets paid, and ask better questions of providers.
OversightFive review habits for a small plan sponsor
Light, repeatable routines that make plan oversight easier to explain and easier to keep up.
EducationEmployee education that employees actually use
Short sessions, plain words, and a clear line between education and personal advice.
For plan sponsors
The plan your team
actually understands.
Costs, governance and process, documented.
Fee benchmarking and ERISA Section 3(21) fiduciary investment advice for small businesses, under a separate written engagement. The plan sponsor or other authorized plan fiduciaries retain investment decisions.
Start a plan conversationIllustrative footage via Pexels: Workplace. People shown are not Tim, PGW clients or staff, and imply no endorsement.
Ready to talk?
Important
PGW’s responsibilities are limited to the investment advisory services specified in the written engagement. PGW does not assume all plan fiduciary responsibilities or independently control plan investment selections. The plan sponsor or other authorized plan fiduciaries retain investment decisions and their applicable fiduciary obligations. No lower fees, better returns or compliance outcome is promised.