GuidelineReviews of guideline.com

Easy to understand and to set up.

As a company, we love how automated everything is (no more uploading manual reports!). The website is also very intuitive for employees and the administrator. The mobile app is also great. Guideline is a must for any small businesses out there looking for a great and affordable 401(k).

On June 3, 2025 I was told my plan was ending and would need to select a rollover option by July 3. On June 23, 2025 I requested they send the funds to my existing IRA and gave the required details. I received confirmation June 23, 2025 of a check being sent in 1-2 days. They sent my funds to a third party on July 11 rather than my requested destination. I received notice yesterday from the third party of extra fees and process required now. Today Guideline refused to do anything fix their error. This is fully representative of the service I have received from the start. Worst provider out of ~10 I have dealt with.

Consistently the worst customer experience I've ever had from a financial services provider. Guideline's customer service reps are generally unknowledgeable. Hold times are long. Worst of all, they create float off of customer contributions, taking a full 10 BUSINESS days to process contributions from a customer account. Since the money is wired on the first day, where does it go for the other 9? Oh yeah. To their accounts so they can create interest income or perhaps just artificially prop up their financials. It should be criminal. Additionally, despite asking for their help on this front every year we have had them for our company, they only offer limited retirement options. The delayed availability of employee contributions and loan repayments make me concerned that Guideline functions beyond accountability like a other schemes throughout history - delaying customer deposit processing for no apparent reason, an likely doing the same on customer withdrawals. Avoid this company at all costs.

I started the rollover to the guideline on 4/11. the check was sent to guideline on 4/15 and it was cashed out on 4/22 with photo of deposited check. 2month later, on july 8th, guideline still says no fund received and can not work on the rolloever, i have made so many calls to guideline and principle to figure out this rolloever. it is so frustrating. every representative told me a different thing. in the end, it is guideline's mistake. the rolloever was completed on may 1st while guideline kept sending me reminder of "no fund received"

great!great!great!great!great!great!great!great!great!

I thought I loved this company, until today. I had taken a 401k loan out some time back. I separated from my employer sooner than expected, so the loan became due within a set time frame. I sent a check with the full loan payoff and they deposited it on the day it was due. I received a call 9 days later (today) telling me that my check hadn't come by the due date, so therefore I defaulted, and here are your options. I had a phone conversation with someone at Guideline, McKenzie. I made sure she was aware two checks had been sent inadvertently and was she sure she wasn't talking about the 2nd check. After a brief pause she said No and reitterated her earlier statement that they did not received my payment in time. There was discussion about postmark date and website info etc. In the end, I accepted the terrible news, albeit crushed and frustrated. All this to say, they actually deposited my check on the due date! I have the cleared check copy! Now, due to holiday hours, I'm unable to get ahold of anyone, and worrying about them sending me back my loan payment. Either this is a huge mistake, or they are knowingly committing fraud.

Zero wait time. Pleasant person to speak to. Answered my question. All great.