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Key information

For participants who are unsure about choosing investments, or who simply lack the time or the desire to do it, Nationwide ProAccount® may be an appropriate choice.

Nationwide ProAccount is a "do it for me" solution for participants who recognize the value of having their accounts managed by investment managers. It is made available by Nationwide Investment Advisors, LLC (NIA), which has selected Wilshire Advisors to serve as the program’s Independent Financial Expert.

How Nationwide ProAccount works

  • A participant completes a questionnaire that helps identify their risk tolerance
  • Wilshire provides investment allocation portfolios based on participant ages and their personal tolerance for investment risk
  • NIA manages Wilshire’s portfolio performance
  • Participants receive regular communications about their investment performance, market conditions and ideas for improving their financial wellness
Circle chart showing 29%

Only 29% of participants say they are very confident in their ability to make the right 401(k) investment decisions.1

Participant benefits

Participants who select Nationwide ProAccount enjoy the confidence that comes from:

  • Professional fund selection and asset allocation
  • Periodic portfolio adjustments intended to help keep them on track toward their goals
  • A 90-day period to try the service with no obligation
  • No minimum account balance or cancellation fees
  • Ongoing communications

Plan sponsor benefits

Plan sponsors who add Nationwide ProAccount can benefit from:

  • A valuable "do it for me" solution for the plan and its participants
  • The expertise of Wilshire Advisors, a leading provider of investment products and services to more than 500 organizations with $1.4 trillion in assets under advisement and $120 billion in assets under management2
  • A proven partner, NIA, who reduces your fiduciary liability by serving as a 3(38) Investment Manager fiduciary for participants using the service
  • No additional cost to the plan3

[1] "2024 401(k) Participant Study," Charles Schwab & Co. (June 2024).

[2] Wilshire Advisors website, wilshire.com (accessed July 1, 2025).

[3] Participants electing to enroll in ProAccount are charged an investment advisory fee as more fully described in NIA’s Form ADV Part 2A.

Nationwide Investment Advisors, LLC (NIA) provides investment advice to plan participants enrolled in Nationwide ProAccount. NIA is an SEC-registered investment adviser and a Nationwide affiliate.

NIA has retained Wilshire® as an Independent Financial Expert for Nationwide ProAccount. Wilshire provides investment allocation portfolios based on participant ages and their personal tolerance for investment risk.

NIA assesses participants an asset-based fee for the managed account services.

Retirement products are offered by Nationwide Trust Company, FSB or Nationwide Life Insurance Company.

Wilshire is a registered service mark of Wilshire Advisors, which is not an affiliate of Nationwide or NIA.

Nationwide ProAccount is a service mark of Nationwide Mutual Insurance Company.