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401(k) GPS – Guided Participant Solutions – Retirement Allocation Navigation

Investment Advice on Your 401(k)

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We help make complex retirement plans simple.

Our Service Commitment

Annual portfolio reviews & ongoing investment advice.

Your Investment Solution

Coordinating your 401(k) account with your other assets to achieve a complete & cohesive financial plan.

A Professional Advisor

The professional guidance of an Investment Advisor Representative can be a good solution for less experienced investors who want investment advice.

Our GPS Allocation Navigation Service

Our GPS service offers personalized 401(k) fund analysis and recommendations for your unique retirement plan. We provide you with disciplined guidance.

Advice Matters

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401(k) savers who get advice may get higher returns

401K GPS Client Brochure

People who sought help earned 3% more: study*

Retirement savers who sought investing advice through their 401(k) plan enjoyed a median annual return almost 3% higher than those who didn’t — even after the fees they paid for that advice, according to a new study.

The portfolios of people who didn’t get help suffered from “inappropriate risk levels and inefficient portfolios,” according to the report.

People who didn’t seek help made other mistakes too that ranged from trying to market-time, misunderstanding risks and market volatility. Multiple factors contributed to the study’s results

*According to the 2011 study “Help in Defined Contribution Plans: 2006 Through 2010” a study of eight large 401(k) plans with more than 425,000 participants and $25 billion in assets, by Aon Hewitt, a consulting firm, and Financial Engines, an investment advisory firm. Past performance does not guarantee future results.

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“People make better decisions with Financial Advisors.”

< span style=” color: . ~ Robert Shiller, Nobel Prize-winning Economist

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Working with a personal Investment Advisor can provide you with superior service and guidance in managing your 401(k)

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1) Identify Global Opportunities

We utilize a top-down approach to tactically assign the most favorable mutual funds in the appropriate asset classes available through your 401(k) plan.

2) Relative Strength Analysis

Our relative strength and momentum research provides critical market data to determine your appropriate investment asset allocation. Our quarterly tactical reviews and emergency intra-quarter signals are designed to provide downside protection and upside market participation for your 401(k) account.

3) Fundamental Research

Through our fundamental investment analysis, we identify the appropriate funds best positioned for your risk tolerance and the current market environment.

4) Ongoing Review

Based on your risk tolerances and years to retirement, our approach recommends quarterly and emergency intra-quarter rebalancing strategies within each asset class to maintain your investment and retirement objectives.

“Helping you feel confident and secure about your future is at the heart of what we do.”

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Do you have the time, training and temperament to make good decisions?

The vast majority of participants in a company retirement plan do not pay the needed amount of attention to their initial investment selection. Moreover, statistics show plan participants rarely revisit their choices over time as their objectives change and markets evolve. Source: MSN Money

*Source: MSN Money

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Did you watch your 401(k) retirement plan dramatically decline during the last market downturns?

It’s time to take the guesswork out of your retirement plan investing and start managing your 401(k) with confidence.

Our service offers personalized 401(k) fund analysis and recommendations for your unique retirement plan. We provide you with disciplined guidance.

It’s long been known that individual investors do not typically fare well in their efforts at do-it-yourself investing. This notion has been validated by numerous studies, including one by Dalbar, Inc., which revealed the staggering margin by which the average individual investor trails the returns of the broader market.

The study revealed the S&P 500 returned an annualized 11.81% from 1988 through 2007; yet the average investor’s return over that same period was a paltry 4.48% – even less than the most conservative of investments, the 30 day Treasury Bill.

Why is the individual investor so inept at capturing the returns of the market? In a word: Emotions.

Emotion drives investors to buy the latest hot fund near its peak and sell the fund after riding it to the bottom on its inevitable slide downward. This “buy high, sell low” scenario is unfortunately not just an anecdote, but is very real for many investors.

*Source: Plight of the Individual investor: “The Tyranny of Choice” by N. Scott Pritchard, AIFA, Capital Directions, LLC. Past performance does not guarantee future results.

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CHANGING JOBS?

Don’t Leave Your 401(k) Behind. “We can Help!”

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401(k) Rollovers

We can help!

Changing jobs? Retiring? What should you do with your 401(k) or other retirement plan? If you delay taking action, you could lose a large portion of your savings to taxes or penalty fees.

There is an easy way to protect your money and keep it tax-deferred – a direct rollover into an IRA.

Making good decisions about your old 401(k) is truly important. A Rollover IRA may offer significant advantages.

We can help you understand how a Rollover IRA may help you meet your retirement objectives and achieve your overall financial goals.

• Keep your retirement savings tax-deferred – A Rollover IRA offers the potential for any earnings to grow faster than in a comparable taxable account. (Funds withdrawn prior to age 59½ may be subject to IRS tax penalties.)

• Convenience and flexibility – It’s easy to open an IRA rollover account. There’s an IRA for every need!

Each of the 4 available options regarding your old 401k have both pros and cons and each should be discussed and understood before making your decision. Watch the “Options to Consider” video above for a more in depth view of your 4 available option listed here.

1. Leave the money in the client’s former employer’s plan. (if permitted)

2. Roll over the assets to the client’s new employer’s plan. (if one is available and is permissible)

3. Roll over the assets to an Individual Retirement Account. (“IRA”)

4. Take the cash distribution. (with a discussion of tax consequences inclusive of any potential tax penalties for clients under 59 1/2 from a qualified tax accountant)

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It’s time to take the guesswork out of your retirement plan investing and start managing your 401(k) with confidence.

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401(k) Advice

In our professional experience, we have found that many of the participants in a company retirement plan do not pay the needed amount of attention to the investment elections they make and rarely, if ever, re-visit those elections as markets change and become more volatile.

To serve our clients’ best interest, we evaluate their 401(k), identify the risks associated with their current allocation, then customize an investment solution consistent for their age & number of years before retirement.

Through the entire process and over the years, we provide on‐going investment advice on all facets of your financial plan.

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Working with an investment advisor may be the right choice for you and your 401k. The guidance of an Investment Advisor Representative can be a good solution for less experienced investors who want investment advice as well as a coordinated road map with the other assets that comprise their complete financial plan.

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Getting Started Is Easy!

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Contact us TODAY to discuss how our professional retirement account management can help Get Your Retirement Back On Course.