GuidelineReviews of guideline.com

My husband passed away in Dec 2024. He had a 401K account with Guideline through his employer. I contacted them to get a rollover/payout of this account since I inherited the 401K as his spouse. This process so far as taken 2 months. They do not communicate at all. Only when I sent emails asking for status did they respond. Only when I said I was going to file a complaint did they say the payout was approved. The market is now down so the value has diminished.

Guidline Inc is the WORST company, system sucks. If you can transfer to another provider do so immediately. Merrill Lynch is SUPERB.

I asked for a cash dispersement of funds. The removed the funds and said they were sent. They were not. It does not take 7 days for wire or ach payment in the United States. They have a company in the middle for funds transfer. I verified both companies are US Based. The said the funds were transferred and gave me a BS number that is not a wire or ach number. They can't tell you where the funds are. There are no people in their office. They don't cover West Coast hours. They are delaying dispersement to make money on Interest. This company is ripe for a class action lawsuit. Worst case on ACH is 3 days. However we are at 4 and they are asking for 4 more days. Any 401k management company should have all of the wire/ach transfer information available on request. This company is playing a financial game with customers money. (In my opinion)

They wont let me withdraw my money. I have reached out multiple times and each time they say their is a tech error and that i need to submit forms. Then when I submit the forms they dont reply and ask me to try the app again. I just wish they cared enough to help me.

Fees are way too high for single person company. They raised them from when my wife’s company was using them a lot. Monthly email from them says I’m putting $ into 401K and Roth IRA. Shows deposits headed to Roth IRA. Still zero balance in that account. Tried to resolve on multiple occasions and was unsuccessful. Thinking of dropping Gusto as my payroll company also (which only offers Guideline) due to these issues.

Excess charges. Painful to use. Caused loads of ability to contribute last year can’t wait Vic to get my million out

My employer signed us up with this company. And already they are showing issues. Money has been pending 6 days. Instead of it working for me it’s somewhere in there account collecting interest. EMPLOYERS it starts with you. If you don’t use companies like this, they go out of business. If your employees are not happy that should tell you something. Your employees keep your doors open. Put them first. This place can be shut down doors closed very easily. By not doing business with them.

I am not surprised to read questionable reviews about this company, my own experience has been no better. Firstly, my 401K was transferred to Guideline without my knowledge. I have since initiated a rollover to a different service but a month later my money still has not been released by Guideline. They allege that 3 checks have been sent by mail. Why in this day and age a more secure and trackable method isn't used, I don't know. Their Customer Service Center has given conflicting reasons why checks are not arriving. Their 'high tech' client dashboard isn't linked to customer service, so there is no continuity record to monitor whether calls to the center are actually actioned. My 401K is currently languishing 'somewhere' in the ether and Guideline is not demonstrating any creditable reasoning as to why or when the matter will be resolved. I just want out and anyone with similar doubts or concerns would be advised to do some homework and find an alternative, better options are out there.