A critical yet often overlooked aspect of investment planning is the allocation and management of investments within a retirement plan. For select participants with 401(k) and 403(b) plans, a Self-Directed Brokerage Account (SDBA) offers expanded investment options and greater control over your retirement assets. This added flexibility introduces complexities that require thoughtful management and informed decision-making. We’re here to provide expert guidance and strategic support, helping you fully leverage the potential of your SDBA so that it aligns with your long-term financial goals.
Our services include:
We start by conducting a thorough review of your current 401(k) or 403(b) plan, focusing on the investment options available within your traditional plan. Our goal is to ensure that your investment choices align with your risk tolerance, retirement timeline, and overall financial strategy. We help you identify opportunities to diversify your portfolio and optimize asset allocation.
The flexibility of an SDBA allows you to invest in a wide range of assets, including individual stocks, bonds, ETFs, and mutual funds. We work with you to develop a customized investment strategy that leverages these options, balancing growth potential with risk management. Our approach is designed to help you build a robust and resilient portfolio that can weather market fluctuations.
Active management of your SDBA is key to achieving long-term success. We provide ongoing portfolio management services, including regular reviews, rebalancing, and adjustments to your investment mix. Our proactive approach helps ensure that your portfolio remains aligned with your changing financial goals and market conditions.
Maximizing the tax advantages of your 401(k) or 403(b) is essential to preserving your retirement savings. We guide you through tax-efficient investment strategies within your SDBA, helping you minimize taxes on gains and distributions. This includes strategies for managing required minimum distributions (RMDs) and capitalizing on tax-deferred growth.
As you approach retirement, it’s crucial to have a clear plan for generating income from your SDBA. We help you develop a retirement income strategy that is designed to ensure a steady stream of income while managing the risks of market downturns. This includes advice on withdrawal strategies, sequencing of distributions, and preserving principal for longevity.
Market volatility can pose significant risks to your retirement savings. We incorporate risk management techniques into your SDBA strategy, including the use of hedging instruments, defensive asset allocation, and other protective measures. Our goal is to protect your investments from major losses while still allowing for growth.
Your SDBA is just one piece of your overall financial puzzle. We integrate your SDBA strategy into a comprehensive financial plan that includes retirement planning, estate planning, and wealth preservation. Our holistic approach aims to ensure that all aspects of your financial life are working together to achieve your long-term objectives.
Understanding the full potential of your SDBA is key to making informed decisions. We provide ongoing education and resources to help you stay informed about market trends, investment options, and changes in retirement plan regulations. Our goal is to empower you to take control of your financial future with confidence.
Managing an SDBA often requires coordination with your plan sponsor and other financial professionals. We work closely with these parties to help ensure that your retirement strategy is executed smoothly and in compliance with plan rules. We also collaborate with tax advisors and estate planning attorneys to provide integrated financial advice.
- Our expertise
Personalized strategies for a comfortable and enjoyable retirement
Strategize assets to align with risk, time horizon, and goals
Strategic, tax-efficient investment strategies with forward-thinking insight
