Utah's Premier 401k provider

Consumer Advocate for Employees

Employers: It’s Time to Ditch The 3(21) Fiduciary
The predominant role of the majority of plan advisors is a limited scope 3(21) fiduciary. Responsibility (and liability) for investment decisions rests with the employer. The prevailing mutual fund/insurance model is for the employer to retain the liability!

There is a better way: The RIA 3(38) fiduciary.
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Selecting a Plan

How To Select A 401k Plan

Demand Quality

As a 3(38) fiduciary, investment selection has a single criterion: Quality.

Expenses evaporate when anti-consumer relationships are exterminated.

Local, established professionals bring a level of effectiveness, personal service, and commitment difficult to replicate with a call center.

Focus On Favorable Outcomes

Typically, 401k providers focus on options like a grocery store. If I just stock the shelves with a great selection at a low cost, I did my job, right? Absolutely not. Unlike a store, a business owner is a legal fiduciary.

We monitor plans for inadequate savings rates, irrational investment decisions, and danger signs that indicate an employee is off-track.

Our experienced advisors and CERTIFIED FINANCIAL PLANNER™ professionals provide face to face coaching to each employee. We challenge, encourage, and make it clear to each employee what they need to do today to achieve their financial goals.

Seize the Ethical High Ground

As full-scope 3(38) fiduciaries, responsibility (and liability) for investment decisions rests with our firm.

  • No Revenue Sharing
  • No 12b-1 fees
  • No Commissions
  • No Proprietary Products
  • No Soft Dollar Arrangements
  • No Related Party Fee Sharing
  • 100% Direct & Transparent Fees
  • NO COMPROMISES
Speaking of Transparency...

Everspire Fee Schedule

Most 401k plans we review obfuscate costs. Not at Everspire 401k.
Solo 401(k) Plan
Our Portfolios Are Built Around the Dimensional Foundation
Start-Up Fee
$250
Conversion Fee
$500
Annual Fee
$500 Base Fee
0.08% Custodian
Learn More
401(k) Plan
Our Portfolios Are Built Around the Dimensional Foundation
Start-Up Fee
$500
Conversion Fee
$1000
Annual Fee
$1000 Base Fee
0.08% Custodian
Learn More
+ Investment Management
0.08% Custodian
0.09% Average Fund/ETF Expense Ratio
0.1% Average Transaction Costs
+ 3(38) Fiduciary Advisor
0.1% Investment Selection, Monitoring, & Replacement
0.4% Education & Coaching
Meet the team

Our team is our unique difference.

Everspire is employee-owned and operated, and we pride ourselves on our long history and strong working relationships with friends and family.

With a diverse team and collection of skills across multiple industries, you can feel confident that we have the answers and guidance you need.

Roy Jones, CFP®, MBA
Certified Financial Planner™
+1 (801) 545-8706roy@everspire.com
Joshua Jones, CFP®, MBA
Certified Financial Planner™
+1 (801) 545-8706joshua@everspire.com
Jason Lindquist, PHD
Portfolio Manager
+1 (801) 545-8706jason@everspire.com
ROY JONES, CFP®, MBA
Certified Financial Planner™
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