Summary
Content
We have some exciting news to share: Guideline, one of the leading providers of retirement products, including 401(k) for small businesses, will soon be joining Gusto.
Guideline and Gusto share the same mission—to make payroll, benefits, and retirement plans simple and accessible for small businesses. While the agreement is still subject to final approvals, we couldn't be more excited about what's ahead. By coming together, we'll make it even easier for small businesses to deliver seamless and compliant programs, attract great talent, and set your employees up for long-term financial security.
We're excited to welcome Guideline aboard and work together to make an even greater impact for the small businesses we serve. To read the full announcement, visit the blog post.
Frequently Asked Questions
Q: Do I need to do anything right now?
A: No. Your current Gusto and Guideline setup stays exactly the same.
Q: Will my service be disrupted?
A: No. Everything continues to work as usual — we'll keep you updated about future enhancements.
Q: Will costs change?
A: Our commitment is to stability and transparency. No pricing changes are planned at this time.
Q: Will support channels change?
A: No, our support channels are not changing. You'll continue to reach us the same way you always have, with the same team dedicated to helping you. We're committed to making sure your experience stays smooth and reliable, and supported by people who know your business.
Q: Will service quality change?
A: Not at all. In fact, our goal is not only to maintain the excellent service you're used to, but to enhance it over time by combining the strengths of both companies. You can expect the same reliable platform and support, and over time you'll benefit from the Gusto and Guideline teams growing together.
Q: Will my account or customer data be migrated or shared?
A: Once the agreement is finalized, customer account data will be securely migrated to the Gusto platform. We uphold strict data protection standards, and your information will remain confidential and will not be shared with outside organizations.
Q: Will there be new features coming as a result of this news?
A: Once the agreement is finalized, we'll absolutely be getting to work designing new features that unlock the full power of a truly integrated platform. While it's too early to share specifics, we'll be focused on making it easier and more intuitive than ever for small business owners to set up and manage retirement benefits for their teams.
Q: Why is this good for me?
A: Gusto and Guideline share the same mission: to make payroll, benefits, and retirement plans simple and accessible for small businesses. By combining, we'll bring you an even more seamless experience in the future.
Q: What's next?
A: Once the agreement is finalized, we'll be focused on continuing to make your day-to-day experience even better. That will mean ongoing product investments and timely updates so you'll always have access to the latest features and integrations.
Q: I don't use Guideline for my 401(k). Does this mean I have to change my 401(k) provider?
A: No. Nothing changes with your current 401(k) provider. We will continue supporting all of our 401(k) partners —Human Interest, Vestwell, Betterment and those 401(k) providers we integrate with through Pay(k)onnect.
Q: I don't use Guideline for my 401(k). Will my service be disrupted?
A: Not at all—your payroll, benefits, and 401(k) continue to work seamlessly together in Gusto.
Q: Why should I stay with Gusto if competitors reach out?
A: Switching payroll and HR systems is often complex and risky—especially when it comes to retirement plans. It often takes 60–90 days, involves legal filings, and may create a blackout period where employees lose access to their accounts. With Gusto, you already have payroll, HR, and benefits in one trusted platform, fully supported by our team.
Q: Will costs or fees change?
A: Our commitment is to stability and transparency. No pricing changes are planned at this time.
Q: Why is this good for small businesses?
A: Guideline shares our belief that small businesses deserve access to world-class benefits. Together, we'll keep simplifying payroll and retirement for business owners like you—while ensuring your current experience remains fully supported.
Joining forces with Guideline means that payroll and 401(k) management will become more seamlessly integrated all in one place.
The service you've come to know and expect from Guideline hasn’t changed. Everything works the same as it does today. Guideline's support channels are not changing. You’ll continue to reach Guideline the same way you always have, and their team will be here to help you.
We’re committed to making sure your experience stays smooth and reliable. Guideline is already integrated with Gusto, so 401(k) contributions and deductions will continue to sync with payroll. Over time, we can bring these capabilities into the Gusto platform to make setting up and managing a 401(k) even easier.
Q: Do I need to take any action right now?
A: No. Your current Gusto and Guideline setup stays exactly the same.
Q: Will there be any changes to my investments or allocations?
A: There will be no changes to your investments. Your holdings and asset allocation are unaffected by this transition, and your money remains invested according to your chosen strategy. No action is needed on your part.
Q: Will this delay my contributions, distributions, or rollovers?
A: Not at all. We are committed to processing all of your financial transactions in a timely manner, just as we always have. You can expect your contributions, distributions, and rollovers to be handled promptly without any new delay.
Q: Will I lose access to anything I use today — mobile app, statements, tools?
A: Not at all. You can continue to use the Guideline mobile app, access statements, and use all your tools just as you normally would. Over time, we'll keep you informed about future enhancements and a more unified experience.
Q: Will my AUM fees change?
A: Our commitment is to stability and transparency. No pricing changes are planned at this time.
Q: Is my retirement account still secure during this transition?
A: Yes. We take the security of your account and personal information extremely seriously. Protecting your assets and data is a core responsibility that we are fully committed to, both during this transition and beyond. All of our rigorous security measures will continue to operate without interruption.
Q: Who do I reach out to if I have questions?
A: If you have questions about your 401(k), please continue to direct them to support@guideline.com
Q: Why is this good for me?
A: By Guideline joining Gusto, we're making payroll and 401(k) management more seamless than ever — giving you one integrated experience and more time back to focus on running your business.