Optimize Your 401(k)

Managing your retirement account can be complicated and making the wrong investment decisions now could result in a smaller nest egg when you are ready to retire.

The 401(k) Optimizer® helps you customize your 401k, 403b or 457 by recommending what to buy, when to buy and when to sell. Make your retirement savings work for you and your future. Receive ongoing guidance straight to your email and/or text and make better decisions about the money in your retirement account. 

Unfortunately, the chances are high that you haven't been actively managing your account. The 401(k) Optimizer® can help guide your investment decisions and help you prepare for your future. 

The 401(k) Optimizer® is an easy, automated online tool designed to help you manage your company-sponsored retirement plan investments through personalized allocation recommendations. The system uses your risk tolerance and long-term goals to generate portfolio allocation recommendations and will recommend changes you should make to your investment strategy based on your plan's investment options and market fluctuations. 

The 401(k) Optimizer® receives stoploss strategy signals from the HCMBuyLine®, a mathematical, rules-based indicator created to calculate trends in the market. This added layer of Risk Management was designed to alert you when conditions indicate a possible downturn to help you stay on the right side of the market. This approach helps take the emotion and guesswork out of your investment decisions in an effort to keep client portfolios on the safe side of the market by indicating when it is time for you to move your investments to cash or less