But I have a client with an AF 401k. I am wondering if I can be the advisor of record on their personal AF 401k account without having to be the AofR of the entire plan? My home office says no

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Right. It’s not your home office’s decision. The plan is run by the employer...not the employee.

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You’re either the Advisor on the plan, which includes the client, or not. If you know how to work with Plan Sponsors on the 401k plan as the Advisor, take it over and get the Broker of Record change form. If not, assist the client from afar.

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Nope, only in some cases when a self directed account is offered as an option for participants. AF doesn’t offer it.

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