About America’s Best 401k

Our Mission

We are disruptors.  We remember what most plan providers have seemingly forgotten.   That the money in 401k plans is the possession of real people.  People with families.  Families that deserve to have the benefits of the money they have had the discipline to sock away.    In a sense, we are freedom fighters.  Freedom from expensive 401k plans and underperforming investment options.


Executive Team

Tom Zgainer,
CEO & Founder

[email protected]

Tom has spent the last 34 years working with businesses small and large to provide superior retirement plan, employee benefit, and payroll solutions for their employees. Over the past 15 years, he has helped over 4000 companies establish a new or improved retirement plan. Working directly with plan sponsors, Tom and his team help create strategies and solutions for their retirement plans that meet both individual and corporate objectives. Prior to founding America’s Best 401k in 2012, Tom worked for two national recordkeepers in Sr. sales management positions and was also the Vice President of Corporate Retirement plans for Personal Capital, a Silicon Valley based digital wealth management firm. He started his business career with Paychex in 1983.

Tony Robbins,
Partner and Board Member

Tony Robbins is a world-renowned peak performance strategist and author of #1 New York Times Bestseller “Money: Master the Game.”  After becoming a client of America’s Best 401(k), Tony decided to join as a partner and lend his voice to our unique, low-cost approach.  Over the past 34 years, over 50 million people have invested in his audio/video programs and more than 4 million people have attended his live seminars.  He has been honored by Accenture as one of “The top 50 Business Intellectuals in the World”; by Harvard Business Press as one of the “Top Business Gurus”; by American Express as one of the “Top Six Business Leaders in the World” to coach its entrepreneurial clients; and by Forbes as a “Top 100 Celebrity”.

Josh Robbins,
Chief Strategy Officer

Josh is Chief Strategy Officer of America’s Best 401k and manages the firm’s disruptive and unique guerilla marketing strategy. Josh has had much national media exposure including Fortune, Worth Magazine, Money Magazine as well coverage in other local publications including Biz San Diego, San Diego Magazine and the San Diego Daily Transcript. Josh has co-hosted the Wall Street Financial Hour, a Southern California public radio show, and has shared his industry expertise through platforms such as Fortune Small Business Magazine, National Underwriter, Market Watch, California Broker and Entrepreneur Magazine’s Radio Show, among others.