Welcome to Cadinha 401(k)

At Cadinha & Co., we’re changing the 401(k) experience for plan sponsors and participants, with a powerful, cost-effective and open-architecture solution. 

What is open-architecture?
Open-architecture means no bundling of the major 401(k) functions, including custody, investment options, recordkeeping and administration.

We can help you select effective, low-cost options for custody, investments and administration. And with open-architecture, there are no hidden fees and no conflicts of interest.  Our remuneration is a retainer fee paid by the client.  We accept no commissions nor do we participate in any revenue-sharing arrangements with other vendors.  In addition, we assume fiduciary liability on your plan. 

Other advantages to Cadinha 401(k) include:

Investment Expertise and Diversity
With varying years to retirement and tolerances for risk, your employees need the investment options to match.  We provide a variety of asset allocation strategies to choose from, or the flexibility to direct savings between approved funds.  Through Cadinha401k.com, participants can monitor performance, make changes and view investment commentary and educational materials.

Lower Costs
Cadinha 401(k) can offer substantial cost savings compared to pre-packaged plans—for several reasons, including:

• We collect no revenues from investment vehicles or other vendors and hold no conflicts of interest with our clients.  We offer full fee disclosure at all times.
• Open-architecture allows us to continuously seek low-cost providers for investment funds, custody and administration.

Fiduciary Services
Unlike most 401(k) providers, we assume fiduciary responsibility to our clients. 

Exceptional Functionality
Cadinha401k.com streamlines administrative processes for plan sponsors and generates a myriad of reports for monitoring you plan.  In addition, our 401(k) services include:

• Setup and conversion
• Daily record-keeping and accounting
• Investment reconciliation
• Contribution processing
• Distribution processing
• Loan processing
• Performance reporting