About AB401k

Our Mission

With clients in all 50 states, we are a next generation provider bringing a modern 401(k) plan to companies small and large. We eliminate unnecessary middlemen so that you get to keep more of your hard-earned money. Our high-tech/ high-touch approach combines on-demand 1-on-1 financial advice with easy to use technology (no more cafeteria style meetings with stale donuts and glossy brochures). We want your plan to be the difference between retiring comfortably and living the dream…your dream.


Executive Team

Tom Zgainer,
Founder & President of Sales

[email protected]

Tom has spent the last 35 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 nearly 5000 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 AB401k in 2013, 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.