About America’s Best 401k

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,
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.

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.

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”.

Jennifer Connelly,

A leading communications strategist, Jennifer Connelly serves as a trusted consultant to C-suite executives, helping them launch their businesses in new markets, broaden awareness of their brands and navigate potential crisis situations.

Recognized by her peers and colleagues in public relations, business and beyond, Jennifer has garnered numerous personal accolades, including earning a spot on the 2014 Gorkana Survey of Financial Journalists as one of the “Most Respected PR Professionals” and one of NJBIZ’s 50 Best Women in Business,” as well as being recognized for the past two years as one of PR News’ “Top Women in PR.”