<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:xhtml="http://www.w3.org/1999/xhtml">
  <url>
    <loc>https://help.guideline.com/en/articles/8500648-how-to-open-and-contribute-to-a-gusto-ira</loc>
    <lastmod>2026-03-31T14:19:22Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8571256-401-k-accounts-and-non-us-residents</loc>
    <lastmod>2024-10-08T18:45:29Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.guideline.com/en/articles/8571256-401-k-accounts-and-non-us-residents" />
    <xhtml:link rel="alternate" hreflang="es" href="https://help.guideline.com/es/articles/8571256-cuentas-del-plan-401-k-y-residentes-no-estadounidenses" />
  </url>
  <url>
    <loc>https://help.guideline.com/es/articles/8571256-cuentas-del-plan-401-k-y-residentes-no-estadounidenses</loc>
    <lastmod>2025-03-28T14:32:18Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.guideline.com/en/articles/8571256-401-k-accounts-and-non-us-residents" />
    <xhtml:link rel="alternate" hreflang="es" href="https://help.guideline.com/es/articles/8571256-cuentas-del-plan-401-k-y-residentes-no-estadounidenses" />
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8576491-401-k-deferral-contribution-and-other-plan-limits</loc>
    <lastmod>2025-03-17T20:08:55Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8576539-how-do-i-reset-my-password</loc>
    <lastmod>2024-03-15T21:04:08Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8576553-how-the-accountant-rewards-program-works</loc>
    <lastmod>2024-11-20T17:43:43Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8582730-how-to-rollover-your-guideline-401-k-into-an-ira</loc>
    <lastmod>2025-04-03T13:52:13Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8583014-401-k-profit-sharing-formulas</loc>
    <lastmod>2024-11-20T20:18:52Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8584245-aca-eaca-and-qaca-understanding-automatic-enrollment-arrangements-for-your-401-k-plan</loc>
    <lastmod>2025-11-12T19:32:44Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8589134-401-k-loan-faq</loc>
    <lastmod>2025-03-07T14:23:05Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8589829-how-to-upload-your-plan-participant-census-to-guideline</loc>
    <lastmod>2024-06-27T13:35:11Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8589848-what-is-410-b-coverage-testing</loc>
    <lastmod>2024-01-03T21:27:26Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8593670-what-is-a-401-k-loan-and-do-i-qualify</loc>
    <lastmod>2025-10-31T14:32:44Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.guideline.com/en/articles/8593670-what-is-a-401-k-loan-and-do-i-qualify" />
    <xhtml:link rel="alternate" hreflang="es" href="https://help.guideline.com/es/articles/8593670-que-es-un-prestamo-del-plan-401-k-califico-para-solicitar-uno-a-guideline" />
  </url>
  <url>
    <loc>https://help.guideline.com/es/articles/8593670-que-es-un-prestamo-del-plan-401-k-califico-para-solicitar-uno-a-guideline</loc>
    <lastmod>2025-04-16T21:07:53Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.guideline.com/en/articles/8593670-what-is-a-401-k-loan-and-do-i-qualify" />
    <xhtml:link rel="alternate" hreflang="es" href="https://help.guideline.com/es/articles/8593670-que-es-un-prestamo-del-plan-401-k-califico-para-solicitar-uno-a-guideline" />
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8593680-what-is-a-blackout-period</loc>
    <lastmod>2024-10-24T22:55:32Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8593684-what-is-a-cliff-vesting-schedule</loc>
    <lastmod>2024-01-18T21:04:52Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8593688-what-is-a-controlled-group-and-why-does-it-matter-for-401-k-plans</loc>
    <lastmod>2024-02-20T23:30:16Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8593690-what-is-a-final-form-5500-and-when-is-it-required</loc>
    <lastmod>2025-03-31T15:13:03Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8593692-why-a-force-out-provision-may-be-beneficial-for-plan-sponsors</loc>
    <lastmod>2024-06-18T21:10:58Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8593694-what-is-a-graded-vesting-schedule</loc>
    <lastmod>2024-01-18T21:04:31Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8593697-what-is-a-hardship-withdrawal-and-how-do-i-apply</loc>
    <lastmod>2025-08-08T20:58:24Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.guideline.com/en/articles/8593697-what-is-a-hardship-withdrawal-and-how-do-i-apply" />
    <xhtml:link rel="alternate" hreflang="es" href="https://help.guideline.com/es/articles/8593697-que-es-un-retiro-por-dificultades-y-como-lo-solicito" />
  </url>
  <url>
    <loc>https://help.guideline.com/es/articles/8593697-que-es-un-retiro-por-dificultades-y-como-lo-solicito</loc>
    <lastmod>2025-03-31T20:44:46Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.guideline.com/en/articles/8593697-what-is-a-hardship-withdrawal-and-how-do-i-apply" />
    <xhtml:link rel="alternate" hreflang="es" href="https://help.guideline.com/es/articles/8593697-que-es-un-retiro-por-dificultades-y-como-lo-solicito" />
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8593700-what-is-a-legally-related-group</loc>
    <lastmod>2025-03-10T19:40:08Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8593707-what-is-a-mistake-of-fact-in-401-k-plans</loc>
    <lastmod>2024-05-24T18:31:40Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8593718-what-is-a-partial-plan-termination-and-how-could-it-affect-my-plan</loc>
    <lastmod>2024-01-25T15:33:51Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8593727-what-is-a-qualified-automatic-contribution-arrangement-qaca-at-guideline</loc>
    <lastmod>2024-12-16T17:51:02Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8593843-what-is-a-mutual-fund</loc>
    <lastmod>2024-12-06T18:04:05Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8593847-why-a-force-out-provision-may-require-you-to-move-your-401-k-funds-after-leaving-your-employer</loc>
    <lastmod>2025-02-03T21:33:53Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8593852-what-is-a-qualified-default-investment-alternative-qdia</loc>
    <lastmod>2024-12-06T18:10:56Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8593853-what-is-a-qualified-plan-loan-offset</loc>
    <lastmod>2024-01-18T21:15:24Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8593855-what-is-a-safe-harbor-401-k-plan</loc>
    <lastmod>2024-12-18T15:01:41Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8593859-what-is-a-self-service-401-k-plan</loc>
    <lastmod>2025-11-06T15:13:54Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8593867-what-is-automatic-escalation</loc>
    <lastmod>2024-11-07T19:22:34Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8593870-what-is-considered-employee-compensation-for-your-401-k-plan</loc>
    <lastmod>2025-12-17T19:01:44Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8593877-what-is-cycle-3-restatement</loc>
    <lastmod>2024-03-18T14:17:52Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8593879-what-is-dollar-cost-averaging</loc>
    <lastmod>2023-12-19T18:44:05Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8593882-what-is-form-5500</loc>
    <lastmod>2024-11-13T19:16:57Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8593885-what-is-irs-form-1099-r-and-when-can-i-expect-to-receive-it</loc>
    <lastmod>2025-12-22T18:26:51Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8593888-what-is-irs-form-5498-and-when-will-i-receive-it</loc>
    <lastmod>2025-03-24T13:58:31Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8593893-what-is-irs-form-8606</loc>
    <lastmod>2023-12-19T18:45:36Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8593895-how-guideline-handles-uncashed-checks-and-other-unclaimed-funds</loc>
    <lastmod>2025-03-21T18:54:13Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8593899-what-is-portfolio-rebalancing</loc>
    <lastmod>2024-12-06T18:12:32Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8593900-what-is-profit-sharing</loc>
    <lastmod>2024-01-25T14:50:49Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8593902-what-is-self-employed-income-for-an-owner-or-partnership</loc>
    <lastmod>2025-12-17T18:54:18Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8593904-what-is-short-year-compliance-testing-and-compensation-collection-for-a-terminating-plan</loc>
    <lastmod>2023-12-19T20:57:17Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8593905-what-is-special-entry-and-how-does-it-affect-my-new-plan</loc>
    <lastmod>2023-12-19T20:57:37Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8593909-what-is-the-annual-additions-limit</loc>
    <lastmod>2025-12-17T19:21:25Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8593911-what-is-the-annual-compensation-limit</loc>
    <lastmod>2025-11-17T18:02:38Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8593915-pre-tax-vs-roth-factors-to-consider-when-contributing-to-your-401-k</loc>
    <lastmod>2025-11-06T18:57:00Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8593921-what-is-the-employer-contribution-deduction-limit</loc>
    <lastmod>2024-10-21T16:26:15Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8593924-what-is-the-lifetime-income-illustration-that-appears-on-my-statement</loc>
    <lastmod>2024-02-20T23:03:13Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8597550-am-i-eligible-to-make-an-owner-contribution</loc>
    <lastmod>2025-07-07T18:34:30Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8597957-am-i-eligible-to-participate-in-my-employer-s-sep-ira-plan</loc>
    <lastmod>2025-12-17T19:08:03Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8597966-am-i-required-to-provide-retirement-plan-support-to-employees-in-a-foreign-language</loc>
    <lastmod>2025-10-31T17:41:04Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8597976-a-plan-sponsor-s-guide-to-employee-enrollment</loc>
    <lastmod>2026-01-27T19:36:52Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8597990-a-plan-sponsor-s-guide-to-form-8955-ssa</loc>
    <lastmod>2024-12-31T14:43:59Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8597995-a-plan-sponsor-s-guide-to-profit-sharing</loc>
    <lastmod>2025-04-14T21:18:47Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8598366-are-my-401-k-assets-protected</loc>
    <lastmod>2025-09-23T17:01:36Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8598378-are-voluntary-after-tax-contributions-and-backdoor-roth-rollovers-permitted-with-gusto-401-k</loc>
    <lastmod>2025-11-12T19:33:31Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8598383-as-a-plan-sponsor-where-can-i-find-my-account-statements</loc>
    <lastmod>2023-12-11T15:44:28Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8598387-a-step-by-step-guide-to-convert-your-401-k-to-gusto</loc>
    <lastmod>2026-03-04T18:34:53Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8604675-how-to-roll-over-funds-from-one-guideline-401-k-account-to-another</loc>
    <lastmod>2025-05-27T21:07:07Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8604726-how-to-start-or-stop-employee-401-k-loan-payments-for-self-service-plans</loc>
    <lastmod>2024-01-18T01:03:16Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8604784-how-to-update-your-company-name-ein-address-or-entity-type-in-your-guideline-account</loc>
    <lastmod>2024-01-18T17:11:37Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8604796-how-to-verify-your-bank-account-using-micro-deposits</loc>
    <lastmod>2024-01-18T17:10:54Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8604833-how-your-401-k-annual-account-fee-is-calculated</loc>
    <lastmod>2026-02-23T14:49:43Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.guideline.com/en/articles/8604833-how-your-401-k-annual-account-fee-is-calculated" />
    <xhtml:link rel="alternate" hreflang="es" href="https://help.guideline.com/es/articles/8604833-como-se-calcula-la-tarifa-anual-de-la-cuenta-del-plan-401-k-de-guideline" />
  </url>
  <url>
    <loc>https://help.guideline.com/es/articles/8604833-como-se-calcula-la-tarifa-anual-de-la-cuenta-del-plan-401-k-de-guideline</loc>
    <lastmod>2024-01-12T17:34:46Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.guideline.com/en/articles/8604833-how-your-401-k-annual-account-fee-is-calculated" />
    <xhtml:link rel="alternate" hreflang="es" href="https://help.guideline.com/es/articles/8604833-como-se-calcula-la-tarifa-anual-de-la-cuenta-del-plan-401-k-de-guideline" />
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8604852-how-your-survey-responses-help-make-guideline-better</loc>
    <lastmod>2025-01-30T16:02:46Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8604882-if-my-employer-closes-our-401-k-plan-when-will-i-have-access-to-my-funds</loc>
    <lastmod>2024-01-18T17:09:09Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8604889-insurance-and-erisa-bonding</loc>
    <lastmod>2024-01-18T01:06:14Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8604890-invoicing-and-billing-for-gusto-401-k-plan-sponsors</loc>
    <lastmod>2026-02-23T15:01:29Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8604897-i-ran-my-first-payroll-after-the-plan-s-start-date-and-don-t-see-contributions-on-my-employees-pay-stubs-what-should-i-do</loc>
    <lastmod>2024-01-18T01:06:49Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8604898-what-are-ira-prohibited-transactions</loc>
    <lastmod>2024-06-18T16:42:07Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8604900-i-signed-the-plan-document-what-happens-next</loc>
    <lastmod>2025-11-10T16:39:02Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8604901-i-submitted-a-request-to-terminate-or-transfer-my-plan-why-am-i-seeing-401-k-deductions-in-my-payroll-system</loc>
    <lastmod>2023-11-18T22:24:24Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8604905-i-was-auto-enrolled-into-my-company-s-401-k-can-i-get-my-money-back</loc>
    <lastmod>2025-10-31T17:44:48Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.guideline.com/en/articles/8604905-i-was-auto-enrolled-into-my-company-s-401-k-can-i-get-my-money-back" />
    <xhtml:link rel="alternate" hreflang="es" href="https://help.guideline.com/es/articles/8604905-me-inscribieron-automaticamente-en-el-plan-401-k-de-mi-compania-puedo-recuperar-mi-dinero" />
  </url>
  <url>
    <loc>https://help.guideline.com/es/articles/8604905-me-inscribieron-automaticamente-en-el-plan-401-k-de-mi-compania-puedo-recuperar-mi-dinero</loc>
    <lastmod>2025-04-21T14:49:12Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.guideline.com/en/articles/8604905-i-was-auto-enrolled-into-my-company-s-401-k-can-i-get-my-money-back" />
    <xhtml:link rel="alternate" hreflang="es" href="https://help.guideline.com/es/articles/8604905-me-inscribieron-automaticamente-en-el-plan-401-k-de-mi-compania-puedo-recuperar-mi-dinero" />
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8604910-i-m-inheriting-a-non-spouse-traditional-ira-beneficiary-what-should-i-know</loc>
    <lastmod>2024-01-17T22:39:26Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8604912-i-m-inheriting-a-non-spouse-traditional-ira-beneficiary-on-or-after-the-required-beginning-date-rbd</loc>
    <lastmod>2024-01-17T22:38:59Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8604915-lost-earnings-how-delayed-401-k-contribution-deposits-may-result-in-penalties-for-plan-sponsors</loc>
    <lastmod>2025-11-03T18:38:00Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8604919-tips-to-help-your-plan-avoid-becoming-top-heavy</loc>
    <lastmod>2024-12-30T20:15:02Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8604923-my-company-is-switching-to-guideline-what-happens-to-my-existing-401-k-loan</loc>
    <lastmod>2024-01-17T22:34:39Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8604925-new-plan-and-onboarding-faq</loc>
    <lastmod>2025-11-10T16:14:27Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8604930-onboarding-faqs-for-plans-converting-a-401-k-to-guideline</loc>
    <lastmod>2024-05-17T18:25:12Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8604931-partial-plan-termination-worksheet</loc>
    <lastmod>2024-01-17T22:32:05Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8604935-new-plan-administrator-faqs</loc>
    <lastmod>2025-12-04T14:43:53Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8604937-plan-characteristics-that-increase-401-k-compliance-concerns-and-strategies-to-reduce-risk</loc>
    <lastmod>2024-01-17T22:28:54Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8604941-profit-sharing-for-controlled-groups</loc>
    <lastmod>2024-01-17T22:27:37Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8604948-profit-sharing-for-safe-harbor-plans-top-heavy-implications</loc>
    <lastmod>2024-08-12T16:16:28Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8604950-how-to-report-employee-compensation-for-your-401-k-plan-each-year</loc>
    <lastmod>2026-01-27T18:57:25Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8604957-can-i-roll-over-my-401-k-to-a-new-employer-s-plan-after-leaving-my-company</loc>
    <lastmod>2024-11-20T19:53:53Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8604959-safe-harbor-formulas-and-deadlines</loc>
    <lastmod>2025-10-13T14:55:29Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8604960-should-you-withhold-taxes-from-your-ira-cash-distribution</loc>
    <lastmod>2024-02-22T17:16:42Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8604964-support-contact-information-and-operating-hours</loc>
    <lastmod>2026-01-13T18:42:52Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.guideline.com/en/articles/8604964-support-contact-information-and-operating-hours" />
    <xhtml:link rel="alternate" hreflang="es" href="https://help.guideline.com/es/articles/8604964-informacion-de-contacto-y-horario-de-atencion" />
  </url>
  <url>
    <loc>https://help.guideline.com/es/articles/8604964-informacion-de-contacto-y-horario-de-atencion</loc>
    <lastmod>2026-01-30T18:25:27Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.guideline.com/en/articles/8604964-support-contact-information-and-operating-hours" />
    <xhtml:link rel="alternate" hreflang="es" href="https://help.guideline.com/es/articles/8604964-informacion-de-contacto-y-horario-de-atencion" />
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8604968-taking-a-401-k-cash-disbursement-after-leaving-your-company</loc>
    <lastmod>2024-03-06T19:05:11Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8604972-what-tax-documents-do-i-need-to-file-for-a-401-k-or-ira</loc>
    <lastmod>2026-01-29T15:33:23Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8604974-the-advantages-of-automatic-enrollment-for-employees</loc>
    <lastmod>2025-06-17T20:36:06Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8604976-the-guideline-mobile-app-key-features-and-faqs</loc>
    <lastmod>2025-12-03T20:46:23Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8604983-tips-for-keeping-your-retirement-account-beneficiaries-up-to-date</loc>
    <lastmod>2024-01-17T22:07:28Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8604988-traditional-safe-harbor-vs-qualified-automatic-contribution-arrangement-qaca-plans</loc>
    <lastmod>2025-01-07T16:34:28Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8604994-types-of-administrator-roles-and-permissions-for-your-401-k-plan</loc>
    <lastmod>2024-11-20T21:38:54Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8605000-types-of-employer-matching-contribution-options</loc>
    <lastmod>2024-01-22T15:54:00Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8605002-understanding-guideline-s-managed-portfolios</loc>
    <lastmod>2025-10-06T18:03:50Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8605003-understanding-your-role-as-a-fiduciary</loc>
    <lastmod>2024-10-26T02:17:38Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8605007-what-s-the-difference-between-a-standard-401-k-and-an-ira</loc>
    <lastmod>2025-09-10T18:49:20Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8605009-what-s-the-difference-between-transferring-out-of-guideline-and-an-external-merger</loc>
    <lastmod>2024-01-02T21:11:58Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8605011-what-actions-should-my-plan-s-participants-take-during-a-plan-termination</loc>
    <lastmod>2024-01-17T21:57:10Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8605012-what-are-401-k-catch-up-contributions</loc>
    <lastmod>2025-11-17T17:49:46Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8605013-what-are-investment-fees</loc>
    <lastmod>2026-02-23T14:51:07Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8605015-what-are-my-401-k-fees</loc>
    <lastmod>2026-02-23T15:02:09Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8605023-what-are-nonelective-contributions</loc>
    <lastmod>2025-01-30T19:58:32Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8605028-what-are-the-advantages-of-automatic-enrollment-for-employers</loc>
    <lastmod>2024-10-21T18:26:34Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8605031-what-are-the-different-ways-to-discontinue-a-guideline-plan</loc>
    <lastmod>2026-01-27T19:40:12Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8605033-what-are-the-income-limits-for-roth-ira-and-deductible-traditional-ira-contributions</loc>
    <lastmod>2025-12-30T19:59:24Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8605035-what-are-the-spousal-benefits-of-an-ira</loc>
    <lastmod>2023-12-19T16:50:30Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8605036-what-are-the-steps-to-terminate-a-guideline-401-k-plan</loc>
    <lastmod>2025-08-12T17:27:31Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8605040-what-are-the-steps-to-transfer-or-merge-your-guideline-401-k-plan-to-another-provider</loc>
    <lastmod>2023-12-19T16:52:37Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8605042-what-does-a-company-acquisition-mean-for-a-guideline-401-k-plan</loc>
    <lastmod>2023-12-19T16:53:20Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8605045-what-does-a-suspended-payroll-contribution-mean</loc>
    <lastmod>2024-01-18T21:03:03Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8605047-what-does-first-payday-with-contributions-mean</loc>
    <lastmod>2024-01-22T15:51:27Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8605048-what-does-it-mean-when-a-401-k-loan-is-deemed-distributed-or-offset</loc>
    <lastmod>2024-05-30T15:59:56Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8605059-what-we-do-to-keep-your-retirement-accounts-secure</loc>
    <lastmod>2025-11-03T18:54:18Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8605060-can-i-make-changes-to-contribution-amounts-after-payroll-has-been-processed</loc>
    <lastmod>2024-05-07T20:13:41Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8605068-what-happens-if-i-overcontribute-to-my-401-k-account</loc>
    <lastmod>2026-03-13T15:26:10Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8605070-what-happens-if-my-company-merges-with-another-company-that-also-has-a-guideline-401-k-plan</loc>
    <lastmod>2023-12-19T17:48:44Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8605072-what-happens-if-our-401-k-plan-missed-the-cycle-3-restatement-deadline</loc>
    <lastmod>2025-03-10T20:27:16Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8605073-what-happens-to-my-401-k-loan-if-i-leave-my-employer-or-my-employer-cancels-the-plan</loc>
    <lastmod>2024-02-23T20:28:38Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8605075-what-happens-to-my-401-k-loan-if-my-employer-changes-401-k-providers</loc>
    <lastmod>2024-01-18T21:16:44Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8605077-what-happens-to-my-guideline-401-k-account-if-i-leave-my-company</loc>
    <lastmod>2025-02-03T21:17:36Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8605204-what-happens-to-my-non-vested-account-balance-if-i-leave-my-company</loc>
    <lastmod>2024-11-26T15:17:11Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8605259-what-if-i-can-t-afford-to-contribute-to-my-401-k-right-now</loc>
    <lastmod>2025-03-12T16:58:31Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8605326-what-is-401-k-automatic-enrollment</loc>
    <lastmod>2025-06-17T20:35:23Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8605327-what-is-a-401-k-default-deferral-rate</loc>
    <lastmod>2024-01-18T20:52:09Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8605329-what-is-a-401-k-employer-match</loc>
    <lastmod>2024-11-27T21:00:58Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8605354-why-year-end-plan-adjustments-may-occur</loc>
    <lastmod>2023-12-19T17:53:32Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8605456-why-you-may-have-a-401-k-balance-after-a-partial-plan-termination</loc>
    <lastmod>2024-01-18T21:25:20Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8613704-how-residual-dividends-are-handled-post-asset-transfer</loc>
    <lastmod>2024-03-20T14:51:02Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8613713-how-a-beneficiary-can-disclaim-an-inheritance-of-401-k-or-ira-assets</loc>
    <lastmod>2024-11-07T18:59:54Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8613716-how-ach-payroll-failures-may-result-in-withdrawal-amount-discrepancies-when-recollected</loc>
    <lastmod>2024-02-09T17:17:59Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8613742-how-are-corrections-for-a-failed-adp-test-calculated</loc>
    <lastmod>2025-02-20T22:07:20Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8613750-how-beneficiaries-can-claim-funds-for-a-participant-who-passed-away</loc>
    <lastmod>2024-11-04T17:48:06Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8613770-how-billing-works-for-a-plan-transferring-out-of-guideline-or-terminating</loc>
    <lastmod>2023-12-27T22:32:22Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8613773-how-can-i-be-removed-as-an-administrator-collaborator-trustee-or-primary-benefit-administrator</loc>
    <lastmod>2023-12-27T22:32:44Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8613775-how-can-i-ensure-i-max-out-my-contributions-to-hit-the-annual-limit</loc>
    <lastmod>2025-07-08T18:03:21Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8614848-benefits-of-an-ira-flexible-beneficiary-distribution-option</loc>
    <lastmod>2025-02-05T20:53:33Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8614857-benefits-of-an-ira-using-your-spouse-s-income-for-ira-contributions</loc>
    <lastmod>2025-05-14T13:44:55Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8614860-can-an-employee-get-an-automatic-enrollment-refund-if-they-forgot-to-opt-out</loc>
    <lastmod>2025-06-17T20:37:57Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8614877-can-automatic-enrollment-be-removed-from-a-plan</loc>
    <lastmod>2025-09-04T13:29:45Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8614892-can-employees-select-different-contribution-amounts-for-when-they-receive-bonuses-or-commissions</loc>
    <lastmod>2024-01-22T15:51:51Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8614903-can-i-add-a-traditional-safe-harbor-provision-mid-year</loc>
    <lastmod>2024-01-19T22:05:56Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8614920-can-i-change-the-start-date-of-our-401-k-plan</loc>
    <lastmod>2024-01-31T20:42:05Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8614935-can-i-choose-different-allocations-for-my-current-portfolio-vs-future-contributions</loc>
    <lastmod>2024-02-20T22:57:55Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8614948-can-i-contribute-100-of-my-paycheck-into-my-401-k</loc>
    <lastmod>2024-01-18T20:58:18Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8614953-can-i-contribute-to-multiple-401-k-plans-in-a-year</loc>
    <lastmod>2025-02-03T22:05:34Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8614965-can-i-keep-my-401-k-account-after-leaving-my-company</loc>
    <lastmod>2025-11-12T19:30:46Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8614968-can-i-make-401-k-contributions-for-prior-years</loc>
    <lastmod>2024-01-18T21:00:30Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8614970-can-i-make-changes-to-my-safe-harbor-plan-mid-year</loc>
    <lastmod>2026-01-27T19:34:10Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8614974-can-i-make-changes-to-our-401-k-plan</loc>
    <lastmod>2024-08-12T18:17:37Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8614979-can-i-set-eligibility-requirements-for-my-company-s-401-k-plan</loc>
    <lastmod>2025-02-11T16:27:13Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8614984-can-i-still-make-administrator-changes-if-i-ve-requested-a-termination-or-transfer</loc>
    <lastmod>2023-12-27T21:51:40Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8614990-how-an-in-service-distribution-may-allow-you-to-withdraw-from-your-401-k-while-still-employed</loc>
    <lastmod>2024-11-22T17:41:02Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8615014-compliance-testing-what-plan-sponsors-need-to-know</loc>
    <lastmod>2025-06-25T19:27:36Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8615041-does-gusto-401-k-handle-form-5500-filings</loc>
    <lastmod>2025-11-03T18:47:42Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8615057-do-i-qualify-for-a-401-k-withdrawal-or-rollover</loc>
    <lastmod>2024-12-05T16:13:11Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8615064-employee-salary-contributions-from-the-employer-s-perspective</loc>
    <lastmod>2024-01-22T15:50:55Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8615120-how-employer-contributions-may-impact-payroll-and-taxes</loc>
    <lastmod>2024-08-12T18:16:41Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8615135-erds-vs-nerds-allowable-rollover-distributions-and-withholding-requirements</loc>
    <lastmod>2024-06-12T14:10:31Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8615158-faq-about-how-to-change-the-401-k-plan-trustee-and-the-trustee-change-packet</loc>
    <lastmod>2025-07-08T16:09:46Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8615225-faqs-about-divorce-and-the-effects-of-qdros-on-your-401-k-plan</loc>
    <lastmod>2025-02-03T21:36:47Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8615230-how-to-complete-your-participant-census-when-converting-an-auto-enrollment-401-k-plan-to-guideline</loc>
    <lastmod>2025-06-18T20:36:51Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8615236-form-5500-5500-ez-and-5500-sf-which-form-is-required-for-my-plan-this-year</loc>
    <lastmod>2024-11-26T17:43:36Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8615240-form-5500-audit-requirements-for-large-401-k-plans</loc>
    <lastmod>2024-04-03T17:12:59Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8615245-form-5500-faq</loc>
    <lastmod>2025-04-11T18:20:15Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8615277-guideline-pro-frequently-asked-questions-for-accountants</loc>
    <lastmod>2025-12-03T14:54:44Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8615281-guideline-pro-frequently-asked-questions-for-advisors</loc>
    <lastmod>2025-12-03T14:53:53Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8640231-how-can-i-fix-incorrect-employee-information-on-my-401-k-roster</loc>
    <lastmod>2025-11-13T16:49:24Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8640234-how-direct-and-indirect-rollovers-work</loc>
    <lastmod>2025-05-16T13:59:36Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8640241-how-to-add-new-employees-to-your-401-k-roster</loc>
    <lastmod>2025-11-03T18:36:36Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8640246-how-can-i-remove-an-employee-from-our-guideline-roster</loc>
    <lastmod>2023-12-27T22:34:18Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8640249-how-are-employee-401-k-contributions-processed-via-payroll</loc>
    <lastmod>2025-11-10T16:41:22Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8640261-how-do-i-assign-a-firm-member-to-a-client-account</loc>
    <lastmod>2023-12-27T22:37:01Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8640267-how-do-i-set-up-or-change-my-401-k-contribution-rate</loc>
    <lastmod>2025-11-03T18:01:41Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8640275-key-considerations-when-choosing-your-ira-beneficiaries</loc>
    <lastmod>2025-05-15T19:45:58Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8640280-how-do-i-claim-an-exception-to-irs-early-withdrawal-and-missed-rmd-excise-penalty-taxes</loc>
    <lastmod>2024-01-18T22:14:36Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8640287-how-do-i-contribute-to-last-year-s-ira-limit-in-my-account</loc>
    <lastmod>2025-11-12T20:12:47Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8640300-how-to-verify-my-bank-account-for-ira-contributions</loc>
    <lastmod>2025-05-15T18:58:17Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8640306-how-do-i-close-my-gusto-401-k-account</loc>
    <lastmod>2026-01-27T16:58:35Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8640311-how-do-i-complete-the-transfer-out-packet-for-my-company-s-plan</loc>
    <lastmod>2024-03-20T14:48:46Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8640330-how-do-i-designate-who-will-be-the-beneficiaries-of-my-401-k</loc>
    <lastmod>2024-01-18T22:26:34Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.guideline.com/en/articles/8640330-how-do-i-designate-who-will-be-the-beneficiaries-of-my-401-k" />
    <xhtml:link rel="alternate" hreflang="es" href="https://help.guideline.com/es/articles/8640330-como-designo-quienes-seran-los-beneficiarios-de-mi-plan-401-k" />
  </url>
  <url>
    <loc>https://help.guideline.com/es/articles/8640330-como-designo-quienes-seran-los-beneficiarios-de-mi-plan-401-k</loc>
    <lastmod>2025-04-21T14:48:17Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.guideline.com/en/articles/8640330-how-do-i-designate-who-will-be-the-beneficiaries-of-my-401-k" />
    <xhtml:link rel="alternate" hreflang="es" href="https://help.guideline.com/es/articles/8640330-como-designo-quienes-seran-los-beneficiarios-de-mi-plan-401-k" />
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8640331-how-do-i-invite-employees-to-my-sep-ira-plan</loc>
    <lastmod>2023-12-27T22:42:35Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8640332-how-do-i-make-sep-ira-contributions-to-employees</loc>
    <lastmod>2024-01-11T18:16:29Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8640349-how-do-i-make-payments-or-pay-off-my-401-k-loan</loc>
    <lastmod>2025-07-02T17:38:40Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8640429-how-do-i-opt-out-of-the-sale-of-my-personal-information</loc>
    <lastmod>2024-08-13T19:56:34Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8640431-how-do-i-opt-out-or-stop-contributing-to-my-401-k-account</loc>
    <lastmod>2025-11-03T18:04:24Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.guideline.com/en/articles/8640431-how-do-i-opt-out-or-stop-contributing-to-my-401-k-account" />
    <xhtml:link rel="alternate" hreflang="es" href="https://help.guideline.com/es/articles/8640431-como-puedo-dejar-de-participar-o-dejar-de-contribuir-a-mi-cuenta-del-plan-401-k" />
  </url>
  <url>
    <loc>https://help.guideline.com/es/articles/8640431-como-puedo-dejar-de-participar-o-dejar-de-contribuir-a-mi-cuenta-del-plan-401-k</loc>
    <lastmod>2025-03-31T20:50:34Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.guideline.com/en/articles/8640431-how-do-i-opt-out-or-stop-contributing-to-my-401-k-account" />
    <xhtml:link rel="alternate" hreflang="es" href="https://help.guideline.com/es/articles/8640431-como-puedo-dejar-de-participar-o-dejar-de-contribuir-a-mi-cuenta-del-plan-401-k" />
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8640434-how-do-i-read-my-form-5500-sf</loc>
    <lastmod>2024-01-12T20:12:39Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8640437-how-do-i-request-a-correction-if-there-s-an-error-in-my-401-k-contributions</loc>
    <lastmod>2024-01-18T21:01:28Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8640439-how-do-i-request-a-hardship-withdrawal-from-my-401-k</loc>
    <lastmod>2025-11-06T20:51:38Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8640440-how-do-i-request-an-owner-contribution</loc>
    <lastmod>2025-07-16T19:33:02Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8640451-how-do-i-set-up-two-factor-authentication-2fa</loc>
    <lastmod>2026-02-09T21:13:01Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8640471-how-do-i-roll-over-other-retirement-accounts-to-my-gusto-401-k</loc>
    <lastmod>2025-11-06T21:32:44Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8640476-how-do-i-set-up-my-401-k-account</loc>
    <lastmod>2025-11-06T20:38:56Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.guideline.com/en/articles/8640476-how-do-i-set-up-my-401-k-account" />
    <xhtml:link rel="alternate" hreflang="es" href="https://help.guideline.com/es/articles/8640476-como-configuro-mi-cuenta-del-plan-401-k-de-guideline" />
  </url>
  <url>
    <loc>https://help.guideline.com/es/articles/8640476-como-configuro-mi-cuenta-del-plan-401-k-de-guideline</loc>
    <lastmod>2025-03-25T14:00:21Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.guideline.com/en/articles/8640476-how-do-i-set-up-my-401-k-account" />
    <xhtml:link rel="alternate" hreflang="es" href="https://help.guideline.com/es/articles/8640476-como-configuro-mi-cuenta-del-plan-401-k-de-guideline" />
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8640480-how-do-i-share-documents-with-gusto-retirement</loc>
    <lastmod>2026-01-13T18:54:30Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8640487-how-do-i-sign-cycle-3-restatement-plan-documents</loc>
    <lastmod>2024-01-18T00:46:52Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8640492-how-do-i-submit-a-qualified-domestic-relations-order-qdro-request</loc>
    <lastmod>2026-02-10T18:50:24Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8640499-how-do-i-sync-my-gusto-retirement-account-to-a-third-party-financial-management-app</loc>
    <lastmod>2026-03-05T21:37:39Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8640505-how-do-i-transfer-or-rollover-other-retirement-accounts-to-my-gusto-ira</loc>
    <lastmod>2026-03-02T18:41:13Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8640516-how-do-i-update-my-name-for-my-gusto-401-k</loc>
    <lastmod>2026-01-27T17:11:45Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8640517-how-do-i-update-my-personal-information</loc>
    <lastmod>2025-09-03T14:03:43Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8640520-how-do-i-update-the-status-of-a-dismissed-employee</loc>
    <lastmod>2025-11-05T15:13:07Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8640522-how-iras-are-handled-in-divorce-settlements</loc>
    <lastmod>2024-01-18T00:49:41Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8640524-how-is-my-portfolio-performing</loc>
    <lastmod>2024-01-18T00:49:58Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8640525-how-long-will-my-401-k-loan-request-take</loc>
    <lastmod>2024-06-18T16:25:00Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8640532-how-long-will-my-withdrawal-or-rollover-distribution-request-take</loc>
    <lastmod>2025-02-21T15:36:11Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8640537-how-much-can-i-contribute-to-a-sep-ira-on-behalf-of-participants</loc>
    <lastmod>2025-07-02T20:41:37Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8640544-how-much-can-i-contribute-to-my-401-k-this-year</loc>
    <lastmod>2025-11-17T15:37:32Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8640552-how-much-can-i-contribute-to-my-ira-account-this-year</loc>
    <lastmod>2025-12-03T21:22:50Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8640556-how-much-should-i-contribute-to-my-401-k</loc>
    <lastmod>2024-11-14T15:23:53Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8640575-how-our-401-k-and-payroll-connection-works</loc>
    <lastmod>2025-11-03T16:28:57Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8640588-how-to-upload-payroll-reports-for-contributions-on-a-self-service-plan</loc>
    <lastmod>2025-09-09T18:56:08Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8640598-how-small-business-owners-can-participate-in-gusto-401-k-plans</loc>
    <lastmod>2025-11-12T20:15:44Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8640601-how-special-payrolls-for-bonuses-commissions-or-off-cycle-pay-affect-401-k-contributions</loc>
    <lastmod>2025-11-03T18:27:11Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8640604-how-sponsors-can-diagnose-and-correct-contribution-errors</loc>
    <lastmod>2025-02-05T20:49:57Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8640610-how-the-adp-and-acp-compliance-tests-work</loc>
    <lastmod>2024-12-17T21:40:17Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8640612-how-the-irs-saver-s-credit-may-help-you-save-for-retirement-and-now</loc>
    <lastmod>2024-01-18T00:54:16Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8640616-how-the-top-heavy-compliance-test-works</loc>
    <lastmod>2025-12-17T19:09:44Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8640620-how-to-add-edit-or-remove-a-bank-account-or-credit-card</loc>
    <lastmod>2024-06-14T16:26:21Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8640626-how-to-add-an-administrator-or-collaborator-to-help-manage-your-401-k-plan</loc>
    <lastmod>2024-01-18T00:55:26Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8640633-how-to-add-an-owner-to-your-401-k-employee-roster</loc>
    <lastmod>2025-12-19T18:42:06Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8640668-how-to-correct-payroll-report-errors-after-upload-or-processing-for-self-service-plans</loc>
    <lastmod>2024-07-31T15:38:55Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8640674-how-to-create-a-custom-portfolio</loc>
    <lastmod>2024-01-18T17:13:32Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8640679-how-do-i-withdraw-or-roll-over-401-k-funds-from-guideline</loc>
    <lastmod>2025-07-22T16:15:57Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.guideline.com/en/articles/8640679-how-do-i-withdraw-or-roll-over-401-k-funds-from-guideline" />
    <xhtml:link rel="alternate" hreflang="es" href="https://help.guideline.com/es/articles/8640679-como-retiro-o-transfiero-fondos-del-plan-401-k-de-guideline" />
  </url>
  <url>
    <loc>https://help.guideline.com/es/articles/8640679-como-retiro-o-transfiero-fondos-del-plan-401-k-de-guideline</loc>
    <lastmod>2025-03-31T20:40:55Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.guideline.com/en/articles/8640679-how-do-i-withdraw-or-roll-over-401-k-funds-from-guideline" />
    <xhtml:link rel="alternate" hreflang="es" href="https://help.guideline.com/es/articles/8640679-como-retiro-o-transfiero-fondos-del-plan-401-k-de-guideline" />
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8640682-how-to-find-your-administrator-access-level</loc>
    <lastmod>2024-01-18T00:57:28Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8640686-how-to-fix-common-errors-when-uploading-your-self-service-payroll-report</loc>
    <lastmod>2025-09-10T18:53:16Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8640689-how-to-get-assistance-with-the-guideline-mobile-app</loc>
    <lastmod>2025-09-03T13:59:41Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8640692-how-to-get-started-with-your-self-service-plan</loc>
    <lastmod>2026-03-04T20:23:08Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8640698-how-to-help-guideline-share-important-plan-notices-with-participants</loc>
    <lastmod>2024-01-31T21:01:23Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8640702-how-to-locate-a-participant-who-no-longer-works-for-the-company</loc>
    <lastmod>2024-01-18T00:59:00Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8640703-how-do-i-make-changes-to-my-401-k-portfolio</loc>
    <lastmod>2025-11-06T19:58:59Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8640706-how-to-make-changes-to-your-guideline-ira-portfolio</loc>
    <lastmod>2025-05-15T18:35:47Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8640711-how-to-submit-a-payroll-change-request</loc>
    <lastmod>2025-11-05T15:17:04Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8640712-how-sponsors-can-prepare-for-the-close-of-this-plan-year-and-start-of-the-new-year</loc>
    <lastmod>2025-11-03T18:23:35Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8640713-how-to-remove-a-plan-administrator-or-collaborator</loc>
    <lastmod>2025-06-18T13:17:36Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8640716-how-to-request-a-distribution-from-your-ira</loc>
    <lastmod>2025-11-06T20:52:13Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8640718-how-to-request-a-letter-of-acceptance-loa</loc>
    <lastmod>2025-04-14T21:23:26Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8640720-how-to-request-that-a-check-be-reissued-for-a-distribution-or-rollover</loc>
    <lastmod>2024-01-18T01:01:09Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8640723-how-to-resolve-payment-issues-with-your-bank-using-guideline-s-allowlist-ach-ids</loc>
    <lastmod>2025-05-21T20:50:15Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8640724-how-to-review-past-payroll-contribution-collections</loc>
    <lastmod>2024-02-09T17:15:54Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8646447-how-long-does-it-take-to-transfer-an-existing-401-k-plan-from-a-different-provider-to-gusto</loc>
    <lastmod>2025-11-10T17:48:20Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8646454-what-is-vesting</loc>
    <lastmod>2024-11-13T16:24:52Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8646457-what-should-i-do-when-an-employee-passes-away</loc>
    <lastmod>2025-03-06T22:29:32Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8646460-what-to-consider-before-stopping-your-401-k-contributions</loc>
    <lastmod>2024-01-18T20:53:27Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8646464-what-to-consider-when-building-a-custom-portfolio</loc>
    <lastmod>2024-12-06T18:10:27Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8646467-what-to-do-if-your-plan-has-a-bank-failure</loc>
    <lastmod>2024-06-14T16:24:47Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8646469-what-to-expect-if-your-employer-offers-a-starter-401-k-plan-with-gusto</loc>
    <lastmod>2025-12-17T18:20:18Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8646470-what-types-of-retirement-accounts-can-i-rollover-to-gusto-retirement</loc>
    <lastmod>2026-02-23T15:00:48Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8646478-what-will-my-employees-be-sent-during-plan-setup</loc>
    <lastmod>2025-10-24T19:03:44Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8646480-what-s-the-difference-between-a-401-k-loan-and-hardship-withdrawal</loc>
    <lastmod>2024-06-20T16:38:31Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8646482-what-s-the-difference-between-a-standard-401-k-and-a-starter-401-k-with-gusto</loc>
    <lastmod>2025-12-17T18:26:15Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8646498-when-can-i-roll-funds-into-my-gusto-401-k-account</loc>
    <lastmod>2025-11-07T18:51:12Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8646502-when-can-i-terminate-my-401-k-plan</loc>
    <lastmod>2025-07-31T18:23:48Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8646505-when-does-guideline-stop-collecting-contributions-for-my-terminating-or-transferring-plan</loc>
    <lastmod>2024-02-20T22:25:01Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8646507-when-is-410-b-coverage-testing-required</loc>
    <lastmod>2023-12-19T22:17:45Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8646511-when-must-i-take-required-minimum-distributions-rmds-from-my-traditional-or-sep-ira</loc>
    <lastmod>2024-01-19T20:13:32Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8646521-when-should-i-start-saving-for-retirement</loc>
    <lastmod>2024-10-24T22:53:46Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8646527-when-will-my-contributions-settle-in-my-401-k-account</loc>
    <lastmod>2025-11-03T18:38:19Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8646531-when-will-my-employees-first-contributions-be</loc>
    <lastmod>2023-12-19T22:20:04Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8646533-when-will-my-401-k-plan-begin-and-when-should-i-run-my-first-payroll</loc>
    <lastmod>2025-11-03T17:44:16Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8646536-how-long-does-it-take-for-portfolio-changes-to-apply</loc>
    <lastmod>2025-06-10T20:41:38Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8646539-when-will-participants-be-notified-of-the-plan-termination</loc>
    <lastmod>2023-12-19T22:21:16Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8646546-when-will-profit-sharing-be-available</loc>
    <lastmod>2025-03-19T19:59:14Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8646549-will-social-security-be-enough-for-retirement</loc>
    <lastmod>2023-12-19T22:22:04Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8646552-when-you-may-be-eligible-for-a-401-k-loan-suspension</loc>
    <lastmod>2024-01-18T21:17:16Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8646555-where-can-i-find-my-account-number</loc>
    <lastmod>2025-12-03T20:48:33Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8646559-where-to-find-important-plan-documents-and-reports</loc>
    <lastmod>2026-03-04T16:12:08Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8646561-401-k-payroll-integration-options</loc>
    <lastmod>2025-11-05T15:54:41Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8646562-who-can-be-a-trustee-for-a-guideline-401-k-plan</loc>
    <lastmod>2024-01-31T21:00:48Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8646567-who-is-considered-a-highly-compensated-employee-hce</loc>
    <lastmod>2025-12-17T19:04:43Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8646572-why-a-cash-distribution-or-outbound-rollover-may-be-delayed</loc>
    <lastmod>2024-01-31T15:30:51Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8646577-why-are-employee-email-addresses-missing-from-my-401-k-roster</loc>
    <lastmod>2025-11-10T16:04:02Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8646580-why-are-my-401-k-loan-payments-late-or-defaulted</loc>
    <lastmod>2024-01-18T21:20:13Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8646583-why-are-my-hourly-employees-compensation-amounts-incorrect-in-guideline</loc>
    <lastmod>2023-12-19T22:26:10Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8646588-why-are-some-of-my-employees-not-eligible-for-our-401-k</loc>
    <lastmod>2025-11-10T16:07:40Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8646592-why-are-there-corrections-for-a-terminating-or-transferring-plan</loc>
    <lastmod>2024-02-20T23:18:22Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8646595-why-are-there-no-401-k-deductions-in-my-first-january-paycheck</loc>
    <lastmod>2024-01-18T20:57:38Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8646601-why-does-vmfxx-show-up-as-an-investment-in-my-portfolio</loc>
    <lastmod>2024-12-06T18:06:37Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8646609-why-do-i-need-to-maintain-dismissed-employees-contact-information-on-my-roster</loc>
    <lastmod>2024-01-03T22:08:07Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8646765-why-it-s-important-to-complete-an-annual-401-k-account-review</loc>
    <lastmod>2024-01-18T22:21:20Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8646771-why-marital-status-matters-when-designating-a-beneficiary</loc>
    <lastmod>2023-12-19T22:31:36Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8646773-why-top-heavy-first-year-plans-might-benefit-from-profit-sharing</loc>
    <lastmod>2025-04-07T14:18:28Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8646779-why-were-employer-contributions-not-included-with-elective-deferrals-made-from-an-owner-contributions</loc>
    <lastmod>2025-07-07T18:35:30Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8648787-our-401-k-pricing-plans</loc>
    <lastmod>2026-03-27T17:54:20Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8648880-first-steps-to-set-up-your-401-k-plan</loc>
    <lastmod>2025-11-03T18:35:58Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8648887-gusto-s-401-k-handbook-for-plan-sponsors</loc>
    <lastmod>2025-11-10T20:54:40Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8648908-how-your-guideline-ira-annual-account-fee-is-calculated</loc>
    <lastmod>2025-05-15T18:46:10Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8648913-guideline-s-investment-principles</loc>
    <lastmod>2024-12-06T18:09:42Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8648916-how-to-determine-ownership-and-family-attribution</loc>
    <lastmod>2024-11-27T21:36:08Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8700557-year-end-401-k-administration-deadlines-and-dependencies</loc>
    <lastmod>2025-06-16T18:37:36Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8751925-making-modifications-to-your-new-comparability-profit-sharing</loc>
    <lastmod>2024-01-31T20:56:40Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8775768-how-the-new-comparability-profit-sharing-allocation-formula-works</loc>
    <lastmod>2025-04-14T19:45:10Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8780634-what-is-a-new-comparability-profit-sharing-formula</loc>
    <lastmod>2025-12-03T19:59:24Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8800502-how-to-navigate-your-401-k-plan-audit</loc>
    <lastmod>2025-04-11T20:31:08Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8800576-what-is-a-required-minimum-distribution-rmd-and-how-to-determine-when-you-must-take-one</loc>
    <lastmod>2025-08-19T17:05:58Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8800605-what-is-an-affiliated-service-group</loc>
    <lastmod>2024-02-20T23:25:46Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8800612-how-can-adp-and-acp-testing-affect-me-as-a-participant</loc>
    <lastmod>2024-01-23T15:33:04Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8851722-what-is-a-missed-deferral-opportunity-and-how-is-it-corrected</loc>
    <lastmod>2024-06-27T17:30:13Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8858900-what-is-a-qualified-distribution-from-a-roth-401-k-or-ira</loc>
    <lastmod>2024-01-23T21:52:19Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8900905-what-investment-options-are-available-with-gusto-retirement</loc>
    <lastmod>2026-01-13T19:06:21Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8927137-how-do-i-update-my-name-for-my-guideline-ira</loc>
    <lastmod>2025-05-15T18:37:32Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8931345-what-is-plan-cash-and-why-does-it-appear-on-my-contribution-report</loc>
    <lastmod>2024-02-09T17:13:01Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/8932117-what-is-the-difference-between-a-transfer-and-rollover-between-iras</loc>
    <lastmod>2025-05-15T19:21:05Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/9019324-two-factor-authentication-2fa-troubleshooting-tips</loc>
    <lastmod>2025-08-14T13:28:18Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/9062023-when-to-consider-increasing-your-retirement-contribution-rate</loc>
    <lastmod>2025-03-25T17:52:23Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/9241706-can-guideline-pro-connect-with-third-party-data-aggregators</loc>
    <lastmod>2025-06-26T13:39:41Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/9241977-mobile-app-guide-how-to-roll-over-other-retirement-accounts-into-guideline</loc>
    <lastmod>2026-01-27T19:49:21Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/9261145-can-i-see-my-clients-asset-reports-in-guideline-pro</loc>
    <lastmod>2024-10-10T00:24:28Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/9289222-what-does-my-loan-status-mean</loc>
    <lastmod>2025-02-06T19:02:16Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/9293675-when-will-adjustments-made-on-payroll-records-be-reflected-in-guideline</loc>
    <lastmod>2024-10-10T00:21:16Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/9308574-can-i-move-money-from-a-simple-ira-to-my-gusto-401-k-or-ira</loc>
    <lastmod>2025-11-12T19:36:47Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/9331233-troubleshooting-tips-for-connecting-a-third-party-financial-management-app-to-gusto</loc>
    <lastmod>2025-11-06T19:57:46Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/9391564-how-do-i-invite-clients-to-set-up-a-401-k-through-guideline-pro</loc>
    <lastmod>2025-02-05T20:51:59Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/9401978-support-contact-information-and-resources-for-guideline-pro-partners</loc>
    <lastmod>2025-03-05T14:22:58Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/9457026-do-i-have-to-pay-taxes-or-penalties-on-roth-ira-distributions</loc>
    <lastmod>2024-10-10T00:14:59Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/9484394-can-i-move-money-from-my-529-plan-to-my-roth-ira</loc>
    <lastmod>2025-12-17T18:16:45Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/9493053-if-a-simple-ira-is-transitioned-to-a-401-k-mid-year-how-much-can-i-contribute</loc>
    <lastmod>2026-01-05T21:16:17Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/9889353-how-to-withdraw-or-borrow-money-from-your-401-k</loc>
    <lastmod>2025-11-06T20:51:00Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/9953216-what-are-the-mandatory-automatic-provisions-under-secure-act-2-0-and-do-they-apply-to-me</loc>
    <lastmod>2024-11-13T19:20:41Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/10092493-what-plan-sponsors-should-know-when-transitioning-from-a-simple-ira-to-a-safe-harbor-401-k-mid-year</loc>
    <lastmod>2024-11-06T19:50:09Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/10127196-new-401-k-participant-welcome-guide</loc>
    <lastmod>2025-11-12T20:20:11Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.guideline.com/en/articles/10127196-new-401-k-participant-welcome-guide" />
    <xhtml:link rel="alternate" hreflang="es" href="https://help.guideline.com/es/articles/10127196-guia-de-bienvenida-para-nuevos-participantes-del-plan-401-k" />
  </url>
  <url>
    <loc>https://help.guideline.com/es/articles/10127196-guia-de-bienvenida-para-nuevos-participantes-del-plan-401-k</loc>
    <lastmod>2025-03-31T20:59:43Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.guideline.com/en/articles/10127196-new-401-k-participant-welcome-guide" />
    <xhtml:link rel="alternate" hreflang="es" href="https://help.guideline.com/es/articles/10127196-guia-de-bienvenida-para-nuevos-participantes-del-plan-401-k" />
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/10301379-safe-harbor-401-k-plans-features-video</loc>
    <lastmod>2024-12-18T15:02:57Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/10336205-compliance-testing-overview-video</loc>
    <lastmod>2024-12-30T18:24:20Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/10336220-setup-your-401-k-using-the-guideline-mobile-app-video</loc>
    <lastmod>2024-12-30T18:27:50Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/10336374-navigating-your-administrator-dashboard-video</loc>
    <lastmod>2024-12-30T20:05:36Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/10336382-upload-payroll-for-a-self-service-plan-video</loc>
    <lastmod>2025-03-10T20:54:49Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/10347533-an-introduction-to-your-retirement-dashboard</loc>
    <lastmod>2025-11-12T18:56:36Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/10542241-how-does-a-solo-401-k-work-at-gusto</loc>
    <lastmod>2026-01-22T17:09:03Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/10542913-an-introduction-to-401-k-plan-management-for-sponsors-and-administrators</loc>
    <lastmod>2025-11-10T17:43:14Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/10561810-what-is-a-qualified-charitable-distribution-from-an-ira</loc>
    <lastmod>2025-12-17T19:18:41Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/10589509-how-to-keep-your-401-k-account-secure</loc>
    <lastmod>2025-11-03T18:49:57Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/11028804-why-does-my-bank-account-not-match-the-information-i-entered-into-guideline</loc>
    <lastmod>2025-04-03T13:40:58Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/11132448-how-do-guideline-s-promotional-discounts-work-for-401-k-plans</loc>
    <lastmod>2025-04-23T16:50:06Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/11390265-an-introduction-to-your-new-ira-dashboard</loc>
    <lastmod>2025-09-23T17:00:43Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/11463393-faqs-about-transitioning-from-a-solo-401-k-to-a-standard-401-k</loc>
    <lastmod>2025-11-12T20:04:50Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/11667343-how-legally-related-groups-can-monitor-compliance-testing-with-guideline</loc>
    <lastmod>2025-06-27T13:34:32Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/11689349-understanding-traditional-vs-roth-ira-contributions</loc>
    <lastmod>2025-07-01T15:34:28Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/es/articles/11833371-como-configurar-tu-401-k-de-guideline</loc>
    <lastmod>2025-07-23T20:15:30Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/es/articles/11833403-tipos-de-contribucion-401-k</loc>
    <lastmod>2025-07-23T20:20:26Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/es/articles/11833416-presentacion-del-plan-401-k-de-guideline</loc>
    <lastmod>2025-07-23T20:21:38Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/11887111-what-to-expect-if-your-employer-s-401-k-plan-is-transferring-to-another-provider-or-terminating</loc>
    <lastmod>2025-07-30T16:10:09Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/11940073-what-s-the-difference-between-a-roth-401-k-vs-roth-ira</loc>
    <lastmod>2025-08-05T14:39:15Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/11972629-what-are-ira-recharacterizations-and-how-do-they-work</loc>
    <lastmod>2025-08-08T19:44:27Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/12037467-understanding-the-dol-s-abandoned-plan-program</loc>
    <lastmod>2025-08-18T17:59:47Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/12044637-how-do-i-log-in-to-my-gusto-retirement-account</loc>
    <lastmod>2025-11-06T19:52:21Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/12060170-how-contributing-to-an-employer-sponsored-retirement-plan-can-impact-tax-deductibility-of-traditional-ira-contributions</loc>
    <lastmod>2025-08-21T13:32:25Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/12242752-common-login-issues-and-solutions</loc>
    <lastmod>2026-01-13T18:49:52Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/12258206-how-to-change-your-email-address-as-a-plan-administrator</loc>
    <lastmod>2025-09-10T13:58:44Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/12258748-why-you-may-receive-lost-earnings-adjustments-in-your-401-k</loc>
    <lastmod>2025-09-10T14:50:54Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/12399961-understanding-your-form-1099-r-distribution-codes</loc>
    <lastmod>2025-09-24T14:58:39Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/12694322-guideline-has-joined-gusto-faqs-about-our-recent-acquisition</loc>
    <lastmod>2025-11-03T14:43:01Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/12713707-guideline-pro-frequently-asked-questions-for-gusto-acquisition</loc>
    <lastmod>2025-11-03T15:26:40Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/12737456-new-plan-sponsor-and-administrator-checklist</loc>
    <lastmod>2025-12-10T17:10:19Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/12976861-2026-key-changes-for-high-earners-making-catch-up-contributions</loc>
    <lastmod>2026-03-12T16:11:21Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/12977062-how-an-international-address-and-citizenship-may-affect-your-eligibility-and-distributions-for-retirement-accounts</loc>
    <lastmod>2026-03-18T21:51:47Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/13116851-understanding-state-retirement-mandate-exemptions</loc>
    <lastmod>2025-12-10T17:02:01Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/articles/13439867-how-to-file-and-submit-a-payment-for-form-5330</loc>
    <lastmod>2026-01-20T17:03:10Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/collections/10963610-employees</loc>
    <lastmod>2025-03-28T15:41:42Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.guideline.com/en/collections/10963610-employees" />
    <xhtml:link rel="alternate" hreflang="es" href="https://help.guideline.com/es/collections/10963610-empleados" />
  </url>
  <url>
    <loc>https://help.guideline.com/es/collections/10963610-empleados</loc>
    <lastmod>2025-03-28T15:41:42Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.guideline.com/en/collections/10963610-employees" />
    <xhtml:link rel="alternate" hreflang="es" href="https://help.guideline.com/es/collections/10963610-empleados" />
  </url>
  <url>
    <loc>https://help.guideline.com/en/collections/10963612-employers</loc>
    <lastmod>2024-11-19T20:41:25Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/collections/10963615-ira-savers</loc>
    <lastmod>2024-11-19T23:01:23Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/collections/7276979-gusto-retirement-basics</loc>
    <lastmod>2026-01-13T18:52:56Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.guideline.com/en/collections/7276979-gusto-retirement-basics" />
    <xhtml:link rel="alternate" hreflang="es" href="https://help.guideline.com/es/collections/7276979-conceptos-basicos-de-guideline" />
  </url>
  <url>
    <loc>https://help.guideline.com/es/collections/7276979-conceptos-basicos-de-guideline</loc>
    <lastmod>2026-01-13T18:52:56Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.guideline.com/en/collections/7276979-gusto-retirement-basics" />
    <xhtml:link rel="alternate" hreflang="es" href="https://help.guideline.com/es/collections/7276979-conceptos-basicos-de-guideline" />
  </url>
  <url>
    <loc>https://help.guideline.com/en/collections/7276983-guideline-pro</loc>
    <lastmod>2024-11-19T20:40:52Z</lastmod>
  </url>
  <url>
    <loc>https://help.guideline.com/en/collections/10969529-video-library</loc>
    <lastmod>2025-07-23T20:22:23Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.guideline.com/en/collections/10969529-video-library" />
    <xhtml:link rel="alternate" hreflang="es" href="https://help.guideline.com/es/collections/10969529-videoteca" />
  </url>
  <url>
    <loc>https://help.guideline.com/es/collections/10969529-videoteca</loc>
    <lastmod>2025-07-23T20:22:23Z</lastmod>
    <xhtml:link rel="alternate" hreflang="en" href="https://help.guideline.com/en/collections/10969529-video-library" />
    <xhtml:link rel="alternate" hreflang="es" href="https://help.guideline.com/es/collections/10969529-videoteca" />
  </url>
</urlset>
