401k Advisory Services
Founded in 1983
Providing fee-only fiduciary advice for almost 40 years
Independent
Not owned by bank or brokerage firm
Conservative Approach
Focusing on
"Growth with Protection"
For many people, their 401k account eventually becomes their largest Nest egg. It’s ironic that with the 401k being so important to a person’s retirement success, 401k’s are the most “under-served” area for advisory assistance in the investment world.
401k plans generally have several dozen mutual funds to choose between and far too frequently, clients come to us where they have remained in the same losing funds for years. Ultimately, they choose an underperforming “Target Fund” simply because it seems appropriate. Some plans offer computerized “robo” platforms to get advice.
We want our clients to maximize their investments so with the assistance of proprietary scoring system, we rank the funds, on an ongoing basis and report to plan participants the top funds allowing them to stay in front of the better performing funds. This system requires quarterly adjustments and has outperformed “buy and hold” by more than 100% over the past 20 years.
401k plans are a popular way for individuals to save for retirement, and choosing the best 401k investments is an important aspect of ensuring a comfortable and secure future. 401k investment companies offer a wide range of investment options, including mutual funds, exchange-traded funds (ETFs), and individual stocks.
When choosing the best fund for 401k, it’s important to consider your investment goals and risk tolerance. A 401k financial advisor can help you understand the different investment options available and can recommend the best fund for 401k based on your individual needs and goals.
Some 401k plans offer the option to invest in the stock market through a self-directed brokerage account. Investing 401k in stocks can provide the potential for higher returns but also comes with a higher level of risk. It’s important to consult with a financial advisor before making any decision to invest in stocks.
As it’s much more effective to manage IRA accounts with unlimited options, many 401k plans will allow the participant to transfer a portion of their account to a “self-directed” account while they are still employed. Check your account documents to see if yours allows this.
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