GuidelineReviews of guideline.com

If you run a company & are considering Guideline as your 401k provider...for the love of God, please don't use them. * For starters, I'm aware that "automatic enrollment" is common with 401ks & not specific to Guideline - no issue there. However, while they're quick to tell you that "you're always free to opt out," they actually force you to agree to all their Terms & Conditions before they'll let you do so: the "opt out" option is gated behind agreement. In other words...there is literally no way to disagree. You cannot even e-mail them to opt out: they'll just tell you to use their web panel...which...requires you to agree. It's shocking to me that this is even legal. What if I don't want to use their 401k, and I also don't agree to their terms? (And note that if you do want to actually read the >100 pages they're forcing you to agree to, you'd better be able to drop everything & do it quickly, as auto-enroll has a deadline. And of course, don't miss the scummy Binding Arbitration clause buried at the bottom - where if you don't proactively opt out of that, you'll automatically forfeit your basic right to trial by jury & class action settlements. Yes, those clauses are increasingly common - but it's entirely different when they bury it in terms that you're FORCED to agree to on a tight deadline & under duress). Just put the opt-out button before the Terms & Conditions. Is that really so hard? * The transaction history they provide obfuscates any meaningful information that you could use to actually track & manage your investments. For example, when there's a rebalance, it says "Your portfolio rebalanced to your target allocation." That's it. No information on how many shares were bought or sold, no information on the share price at which those buys & sells took place. This is true of their web panel, their monthly statements, and their transaction report exports. Has anyone even heard of a company that obfuscates & witholds all detail on the trades that are being performed with your funds on your behalf? Again, how is that even legal? That would be like a credit card company sending you a statement with a list of dates of your purchases, but the amounts & descriptions all blank. How can you possibly manage a portfolio when they withhold any proper information about the trades that take place? Hint: you can't. Support confirmed that many people have contacted them about this, yet they haven't bothered to fix it. This is the kind of thing that should've been there before the service was even allowed to go live. EDIT: "We’re sorry to hear you’re having trouble, please email us so we can look into this" is a non-response. I clearly stated above that you've already been notified of both these issues via e-mail, and you've already confirmed via e-mail that there is no workaround. If anything about my statements are incorrect, please respond here publicly.

This company will do whatever it feels it has to do even after giving wrong advice or just simply failing to properly guide plan sponsors. They are only worried about their monthly fees. Throw vesting out the window if you are a plan sponsor. They will vest them regardless. It's all due to improper advice or simply no advice at all.

You guys didn't give me .y remainder pay for sick time or 401k

6 months and still waiting on disbursement. They don't share details of why, just blame it on the employer.

The answer provided for why fees were taken twice in one month from my account made no sense if you looked at my entire account history. There has never been a month without fees, so your answer is wrong.

Initiated a rollover of my 401K. They claimed they sent a check and it would arrive in 5-10 days. on day 10 it did not arrive. I inquired through support and then they said to wait 14 days. I waited 14 days, and they said wait 10 business days. Getting a lot of runaround while they hold $64K of my money in limbo! Started seeing similar reviews on here and BBB site. I am now leaving appropriate reviews and also considering legal options.

They intentionally make it nearly impossible to transfer out your retirement and they charge way too much for their services.

The worst retirement investment ever. After I left my company and got a new job, I’ve been trying to roll over my 401K to my new retirement provider and guideline has not once sent my check or help me deal with the roll over. It’s been 14 months since I’ve started my roll over and guideline keeps telling me different things from their customer service support. Their process is all messed up, delayed email responses, customer service is not even valuable, it’s a joke! Avoid Guideline at all costs! Do not invest your time, money, and headache here.