What if Guideline came with a human advisor?
Welcome to Vestwell.
We’re Carbon Collective.
Vestwell’s #1 advisor for mission-driven orgs like yours.
We proudly manage 120+ mission-driven 401k and 403b plans on Vestwell.
We include the best-performing low-fee index funds, ESG funds and climate-aligned funds in our lineups.
Get the financial education and back-end HR support for your plan you didn’t know you were missing.
Great software + Great advisor = A better 401(k) experience
More fund options
Give your team real choice with index funds, ESG, and climate-aligned funds.
Deborah Laframboise
Director of Finance and Grants at Growald Climate Fund
“We had been searching for a 401k provider that aligned with our mission. Carbon Collective is way ahead of most 401k providers who only offer basic ESG funds. Carbon Collective is the answer to anyone wanting to truly invest in solutions for climate change. The Carbon Collective team is constantly looking for new opportunities for the funds as well. It has been a pleasure working with Tavis and Zach.”
Kelli Bagby
Owner at Truly Bookkeeping
“And what I really loved about Carbon Collective is that there was just so much variety in what you can choose, and that they're not just saying like you have to go this sustainability route for everything if you don't want to, you can do just the regular index funds.”
Real HR support
Compliance records, plan design, and on-demandsupport... get a real back-end partner.
Katherine Wong-Velasco
Senior Director, PeopleOps at Mast Reforestation
“Another thing that sets Carbon Collective apart is its excellent communication and leadership. Among the three major parties (financial advisor, TPA and Recordkeeper), they always 'manage to manage' the communication with the other two vendors. This saves me time chasing 3 different external vendors when I already have some internal teams to manage....”
Kyleigh Brown
Controller at Cleobella
“Carbon Collective has been a fantastic partner. Their customer service is top-notch: friendly, responsive, and always ready to offer hands on support. We also deeply appreciate how their mission aligns with ours; their commitment to sustainability makes working with them not just easy, but meaningful. It's rare to find a team that delivers both exceptional service and shared values.”
Real participant support
Two live onboarding sessions, quarterly finance 101, on-demand email support.
Kenny Lee
Co-Founder at Aigen
“Working with Carbon Collective for our 401(k) plan has been such a positive move for our company. Their investment options just make sense - they align with our values while still delivering solid performance. Our team loves having choices that let them invest in the future they actually want to retire into, without paying extra fees. Since switching to Carbon Collective, we've noticed more employees getting excited about their retirement savings. It's been super easy to offer a benefit that genuinely reflects what our company stands for, and that feels really good.”
Zuleyma Bebell
COO & Co-Founder at IMPACT ALPHA
“Choosing Carbon Collective for our employee retirement benefits was an easy decision. The team has been a pleasure to work with, and we're proud to be investing in a more sustainable future together.”
All for the same price you paid on Guideline
Is it really the same price?
Yep! In an effort to make the transition from Guideline to Vestwell smooth, Vestwell has selected its top advisors to pair with plans they’ll be a good fit for.
Aren’t human advisors more expensive?
Usually, yes, a lot more expensive. Because Vestwell is acquiring so many plans, they’ve negotiated lower advisory fees for each plan. You’re getting a bulk discount.
Can I switch advisors later?
Yes, and it's easy. Vestwell selected us because of the quality of our service and our specialty in serving mission-driven orgs like yours. But if you’re not happy, switching is simple.
Can I just work with a robo-advisor?
If you’d prefer, sure. Vestwell has a generic, “robo-style” advisory service like you had at Guideline. You’ll have the same low-fee index funds, but none of the other advantages of working with us.