Wealth Management for Your 401(k)

Your 401(k) may be your largest account. Who's managing it?

Most people choose their 401(k) investments when they enroll and never look again. We'll help you tap into the professional management already built into your plan, so your largest account works as hard as you do.

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No rollover.No transfer.Your money stays in your employer's plan.No out-of-pocket cost.

The 2-Minute 401(k) Check

How does your 401(k) measure up?

Answer a few quick questions to see whether your 401(k) is getting the attention it deserves. It takes about two minutes, and you'll see your results right away.

⏱ About 2 minutes✓ Instant results
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How true is each statement for you?

My 401(k) is one of my largest retirement accounts.
I've reviewed or changed my 401(k) investments since I first enrolled.
My 401(k) is invested around my goals, not just my expected retirement year.
Someone actively monitors and rebalances my 401(k) for me.
I know whether my plan offers investment options beyond the standard fund menu.
My 401(k) is coordinated with my other accounts and my overall financial plan.
I know how my 401(k) will help generate income in retirement.
I'm comfortable with how my 401(k) would hold up in a major market drop.
Any company stock or concentrated position I hold is being managed intentionally.

Your biggest account deserves a plan

The account that quietly outgrows everything else.

For most professionals, the 401(k) grows into the largest pool of retirement savings they own. Add years of compounding, and your 401(k) can easily outgrow everything else you've saved.

Yet it is often the one account nobody is actively managing.

Money flows in from every direction:

  • Your contributionsAutomatically, from every paycheck
  • Your employer's matchAdded on top of what you put in
  • Catch-up contributionsOnce you turn 50
  • After-tax contributionsWhere your plan allows — which can open the door to additional Roth strategies

Off autopilot

Stop letting your largest account drift on autopilot.

You set up your 401(k), picked your investments, and got back to work. Since then you may have changed jobs, gotten a raise, married, had children, or moved your retirement date. Your 401(k) probably hasn't changed at all.

The target-date fund default

Built for an average person retiring in a given year. Not for you.

Many people land in a target-date fund by default. It's a reasonable starting point, but here's what it can't do:

  1. 01

    Target-date funds and your retirement goals

  2. 02

    Company stock and diversification

  3. 03

    Keeping your investment allocation aligned

  4. 04

    Looking beyond your 401(k)

What you get

What Wealth Management for Your 401(k) gives you.

Wealth Management for Your 401(k) is a service that brings fiduciary, professional management to the 401(k) you already have, right inside your employer's plan, with no rollover, no transfer and no out-of-pocket cost.

Personalized oversight

An investment strategy built around your goals, timeline, and comfort with risk.

Active management of your options

Your account is actively managed using the professionally managed options your plan already offers, instead of a static fund menu.

Ongoing monitoring and rebalancing

Your account is monitored, rebalanced, and actively managed as markets move and your life changes, so you don't have to.

Risk-aware investing

Your strategy uses a quantitative trend indicator designed to help decide when to be more or less invested, so your account isn't simply riding every market move. We also watch for concentration, such as a large position in your company's stock.

Coordination with all your accounts

Your 401(k) is managed as part of your full financial picture: your IRAs, old employer plans, pensions, your spouse's accounts, and your other investments.

A real Advisor you can call

No call center or phone tree. You work directly with our team and get a clear explanation behind every change.

How it works

Three steps. Your contributions never skip a beat.

Here's what happens when we meet. In one conversation, we walk through three simple steps together.

Take a look at your 401(k) today

When we meet, we first walk through how your workplace plan is set up and whether it gives you more investment flexibility than you may realize.

Explore the choices open to you

Next, during the same meeting, we show you which professionally managed options your plan already offers, all inside the 401(k) you have now, with no new account needed.

Decide if a managed option fits you

Finally, we help you weigh whether using your plan's built-in managers makes sense for you, and what ongoing monitoring and adjustments look like over time.

Schedule Your 401(k) Second Look

FAQ

Questions people ask.

Do I still control my 401(k)?

Yes. The account stays in your name at your plan provider. You decide your contributions, and your investments are professionally managed on your behalf.

Will my money leave my employer's retirement plan?

No. The service is designed to manage eligible investments within your employer's existing plan, without an IRA rollover. Your contributions and employer match continue as usual.

Can you withdraw money or change my account details?

No. Neither we nor the professional money manager can take distributions or change your personal information. Management is limited to the investments within your account.

Is there an out-of-pocket cost?

No. There is no out-of-pocket cost for you to use this option.

Does every 401(k) offer this service?

No. Your plan has to include a specific investment option for this to work. Many do, but not all. The complimentary guide explains what to look for, and we'll confirm whether your plan qualifies during your complimentary 401(k) Second Look.

How is this different from a target-date fund?

A target-date fund treats everyone retiring the same year the same way. We build and adjust a strategy around you and coordinate it with the rest of your finances.

Are you a fiduciary?

Yes. We're required to act in your best interest.

Your next step

Give your 401(k) the attention it deserves.

Great financial futures are built with intention.

You bring thought and care to the rest of your financial life. Your largest retirement account should get the same. Start with a complimentary 401(k) Second Look and see what fiduciary, professional management could look like for the account you already have.

Take the 2-Minute 401(k) Check Schedule Your 401(k) Second Look

Not ready to talk? Get our complimentary guide, The 401(k) Second Look, by email.

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Questions about Wealth Management for Your 401(k)? Email [email protected] or call (404) 978-2277.