The 401(k) is a retirement plan sponsored by your employer. You may also have a 403(b) or 457(b), which are also employer-sponsored. You can manage the assets in your plan yourself – rebalancing investments, adjusting allocations – or you can use a wealth planning professional to manage it.
NEW SERVICE
401(k) management that makes your life easier
It may be the most important piece of your financial puzzle. We’ll build it into your broader plan.
O N L Y
16%
of 401(k) participants who do not receive professional guidance said they are “very confident” in their retirement strategy.*
what you have to gain
- The confidence you can stay on track, with all your assets gathered into one, comprehensive financial strategy.
- A weight off your shoulders with a professional managing rebalancing
- Optimization of your investments according to your goals and strategy
- The peace of mind you’re free from managing complicated financial advice on your own
some tasks are best left to the professionals
You might feel fine managing your employer-sponsored retirement assets by yourself. But doesn’t your retirement strategy deserve better? Our team of experts can help you move from feeling good – to feeling great.
Managing your own 401(k)
What to expect:
- Your 401(k), 403(b) or 457(b) remains with your current provider
- Manage your own account details, like address changes and contributions
- Implement any professional financial advice independently
- Rebalance when you think it’s right, or on an automized schedule
Professional investment management for your 401(k)
What to expect:
- Your 401(k), 403(b) or 457(b) remains with your current provider
- Manage your own account details, like address changes and contributions
- Holistic portfolio management accounting for all your assets
- Timely portfolio adjustments
- Stringent compliance practices and bank-level security to protect your personal information
- Easy onboarding
AN INTEGRATED APPROACH TO WEALTH
The employer-sponsored retirement plan is an important part of your strategy. A good financial planner will help you understand it. A great one will show you what’s possible when you make it part of a comprehensive approach – with the support of an expert team covering every need.
Certain services provided on an educational and guidance basis only.
FREQUENTLY ASKED QUESTIONS
If you choose to work with Edelman Financial Engines for this service, your 401(k), 403(b) or 457(b) stays where it is now. You’ll continue to manage account details like your address, name and contribution level. EFE will manage the money in the account, and you’ll be able to see those assets, alongside everything else managed by us, in your client portal.
There is a percentage fee for this service, which your planner can explain when discussing whether this option is right for you.
We use a 401(k) management platform called Pontera, which has bank-level security and encryption of your personal information.
We can manage, monitor and rebalance these accounts as part of a comprehensive strategy to help you feel confident your retirement goals are on track.
Having Edelman Financial Engines manage your 401(k), 403(b) or 457(b) can help optimize your employer-sponsored retirement assets according to your comprehensive financial strategy. It also allows you to see all of your assets in one place.
Say you’re relying on a target-date fund with automatic rebalancing for your employer-sponsored plan, whether it’s a 401(k), 403(b) or 457(b). Target-date funds are not all created equally, and they only account for when you intend to retire. Remember, your employer-sponsored plan is only one part of a holistic investment strategy – one in which a partner, like EFE, can align all of your goals.
Education Resources
