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Fact: In 2004, only 1 in 6 employees with 401(k) plans made an
attempt to rebalance or reallocate their 401(k) portfolio.
83% of employees never made a change!*
Is Your 401(k) Account Managed?
Although this question may seem obvious, sadly enough, unless you are managing the account, your individual portfolio is not being managed. Yes, the funds inside your 401(k) have a fund manager, but no one is managing your individual account.
When an employee originally enrolls in a 401(k) plan, the salesman makes sure that you select any number of these funds to invest in. It is your responsibility to make reallocation changes based on the market changes—the salesman doesn’t, and without proper licensing cannot, do this for you. If you are not managing your account, who will?
How We Can Help
As a Registered Investment Advisor, we are qualified and licensed to help you allocate and manage your 401(K) account. In doing so, we will:
- Help you develop an appropriate investment and asset allocation strategy
- Help you selecting the best, most appropriate investments
- Monitor your investments on an ongoing basis
- Replace funds that are not meeting expectations with better performing alternatives
- Recommend changes based on the economic or market environment as well as changes in your risk tolerance and return objectives
- Generate periodic performance reports in addition to the reports you receive from your 401(k) custodian
- Help you incorporate your 401(k) account into your overall retirement planning strategy
- Meet periodically with you to discuss the performance of your 401(k) account and ensure that it is meeting your needs and expectations
By having us manage your 401(K) account, you'll sleep well, knowing that your account is being managed and invested appropriately and more effectively.
401(K) Rollovers
As Investment Advisor Representatives, we can help you with more than just managing your 401K. We can also help you with all aspects of your retirement, including rolling your investment into an IRA. There are many reasons why you don’t want to leave your money inside of a qualified plan after you retire or separate from service. We can help you evaluate your options and make the best, most appropriate decisions for your needs and objectives. Most importantly, we can help you secure a comfortable retirement.
* (Source: Hewitt Associates LLC)
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