{"url":"https://nivawealth.com/firms/fi401k-advisors-168408","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/168408","regulatoryAum":914955513,"crd":"168408","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"8186652","suffix":null,"lastName":"Gutrich","firstName":"Hannah","middleName":"Marie"},{"crd":"2146126","suffix":null,"lastName":"GUTRICH","firstName":"MARK","middleName":"MATTHEW"}],"total":2,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2021-01-29","regulatoryAum":801671314,"clients":503,"employees":2,"offices":1},{"filedOn":"2022-01-28","regulatoryAum":963590000,"clients":520,"employees":2,"offices":1},{"filedOn":"2023-01-31","regulatoryAum":803098032,"clients":525,"employees":2,"offices":1},{"filedOn":"2024-01-30","regulatoryAum":786915319,"clients":491,"employees":2,"offices":1},{"filedOn":"2025-01-29","regulatoryAum":849723671,"clients":338,"employees":2,"offices":1},{"filedOn":"2026-01-30","regulatoryAum":914955513,"clients":305,"employees":2,"offices":1}],"secFileNumber":"801-107736","legalName":"Fi401k Advisors, LLC","displayName":"Fi401k Advisors","slug":"fi401k-advisors-168408","website":null,"classification":{"segment":"institutions","segmentLabel":"Institutional","type":"institutional_asset_manager","typeLabel":"Asset manager","feeDisclosure":"payment_only"},"founded":null,"organization":"Colorado limited liability company","fiscalYearEnd":"December","headquarters":{"street":"9137 East Mineral Circle, Suite 210","city":"Centennial","state":"CO","stateName":"Colorado","country":"United States","postalCode":"80112"},"tradeNames":[],"registration":{"secApproved":"22 April 2016","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":null,"staff":{"employees":2,"advisory":1,"brokerDealerReps":1,"insuranceAgents":0,"promoters":30},"aum":{"regulatory":914955513,"discretionary":681379416,"discretionaryAccounts":163,"nonDiscretionary":233576097,"nonDiscretionaryAccounts":142,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Pension and profit-sharing plans","clients":305,"regulatoryAum":914955513}],"feePrograms":[],"brochureCoverage":{"scope":"known_documents","status":"not_processed","checkedAt":null,"documents":[]},"custodians":[{"name":"Mid Atlantic Trust Company","shortName":"Mid Atlantic Trust","location":"Pittsburgh, PA","smaAssets":351267189},{"name":"Matrix Trust Company","shortName":"Matrix Trust","location":"Denver, CO","smaAssets":205763322},{"name":"Reliance Trust Company","shortName":"Reliance Trust","location":"Atlanta, GA","smaAssets":189713387}],"custodyNote":"Fi401k Advisors does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Mark Gutrich","title":"Elected Manager and Chief Compliance Officer","crd":"2146126"}],"ownership":[{"label":"Fiduciary Holdings Limited","detail":"Sole shareholder/owner in the 75% or more ownership band and a control person, since June 2011."},{"label":"Mark Gutrich","detail":"Elected manager and chief compliance officer in the 25% to 50% ownership band and a control person, since June 2013."},{"label":"Gut-Cross Holdings, LLC","detail":"Indirect owner: a shareholder of Fiduciary Holdings Limited in the 25% to 50% band, since June 2012.","parent":"Fiduciary Holdings Limited"}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Colorado","offices":1,"addresses":[{"street":"9137 East Mineral Circle, Suite 210","city":"Centennial","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"303-495-5890","stateRegisteredReps":2,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Fixed fees (other than subscription fees)"],"activities":["Pension consulting services"],"financialPlanningClients":"0","assetMix":[{"label":"Securities issued by registered investment companies or business development companies","percent":100}],"privateFunds":0},"sources":{"adv1FilingDate":"30 January 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/168408/PDF/168408.pdf","brochureDate":null,"brochureUrl":null,"iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-21","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does Fi401k Advisors have?","answer":"Fi401k Advisors has 305 clients and manages $915 million for them, as of January 2026. They include 305 pension and profit-sharing plans.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 30 January 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Fi401k Advisors offer?","answer":"Fi401k Advisors provides pension consulting.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Which custodians does Fi401k Advisors use?","answer":"Fi401k Advisors’ separately managed account assets are held at Mid Atlantic Trust Company (Pittsburgh, PA), with $351M, Matrix Trust Company (Denver, CO), with $206M and Reliance Trust Company (Atlanta, GA), with $190M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 30 January 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Fi401k Advisors have?","answer":"Fi401k Advisors has 2 investment adviser representatives registered with state securities authorities, out of 2 employees, and 1 perform investment advisory functions. 1 employee is a registered representative of a broker-dealer and 0 employees are licensed insurance agents.","source":"Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Fi401k Advisors invest in?","answer":"At the end of its last fiscal year, Fi401k Advisors’ separately managed accounts held 100% registered funds (mutual funds, ETFs, BDCs).","source":"Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Fi401k Advisors?","answer":"Fi401k Advisors is owned through a holding company by Gut-Cross Holdings, LLC. Its direct owners are Fiduciary Holdings Limited (75% or more) and Mark Gutrich (25% to 50%).","source":"Form ADV Part 1A, Schedules A and B, filed 30 January 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Fi401k Advisors get paid?","answer":"Fi401k Advisors is paid through a percentage of assets under management and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.","source":"Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Fi401k Advisors?","answer":"Fi401k Advisors’ main office is at 9137 East Mineral Circle, Suite 210, Centennial, CO 80112. Its phone number is 303-495-5890.","source":"Form ADV Part 1A, Item 1.F, filed 30 January 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}