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Advice Matters

If given a choice, would you have a financial advisor manage your retirement plan at work?

If given a choice, would you have a financial advisor manage your retirement plan at work?

Many retirement savers are given exactly this choice, yet not everyone knows about it.  Check with your HR or plan sponsor to find out if your retirement plan offers it.  You can also ask your financial advisor or contact us and we can find out for you.

Fees may be involved with advice so make sure to check with your plan sponsor or financial advisor to see if the fee being charged is suitable for the advice given.

Have questions? Feel free to ask us any questions by scrolling down to the bottom of this page.

One way we may help: The Self-Directed Brokerage Account (SDBA)

Over the past few years many employers have enhanced their retirement plans to include a brokerage window opportunity so that plan participants have more choice and greater flexibility with their retirement investments. This option, known as the Self Directed Brokerage Account (SDBA), exists in 401(k), 403(b), and 457 plans where participants will have access to professional management, stocks, bonds, mutual funds, and ETFs.

How it Works

Plans that offer the SDBA option provide the opportunity for employees to take full control of a portion of their current retirement account by linking it to the existing Core account. In doing so, participants expand the range of investment choices beyond the Core investments and will have access to the same management style as High Net worth Investors, Institutions and Foundations.

The Core account refers to the employer that offers limited, pre-selected investment choices. The SDBA is very similar to traditional brokerage accounts which exists as an eligible option on retirement plans. Employers that offer the SDBA option allow the employees to transfer a portion of their investments from the Core account to SDBA. Through this account employees have access to investments choices such as mutual funds, stocks, bonds, and access to professional investment advice through a Registered Investment Advisor.

SDBAs are currently the most underutilized investment options in 401(k), 403(b), and 457 accounts. However, this option should be used by investors who feel comfortable managing their own risk or are working with a professional Investment Advisor.

*please note that not all plans will have this option and there may be additional fees involved, ask your plan sponsor or financial advisor

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

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.

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