Max Your 401(k) - Standalone 401(k) Optimization Service

We provide a focused, standalone service designed to optimize your employer-sponsored 401(k) plan. This service specifically addresses 401(k) investment selection, risk alignment, employer match maximization, and fee reduction strategies within your current employer's retirement plan.

Max Your 401(k) involves a comprehensive evaluation of your specific 401(k) plan through risk assessment, investment analysis, and personalized recommendations. The key defining aspect of this service is that all analysis and recommendations are focused exclusively on optimizing this single retirement account based on your individual risk profile, timeline, and the investment options available within your employer's plan.

Clients purchasing this service will receive a personalized strategy session with one of our advisors, providing the Client with specific fund recommendations, allocation strategy, and a clear implementation roadmap designed to optimize their 401(k) performance.

The Max Your 401(k) service specifically addresses the following areas:

• Risk Assessment: Evaluation of both risk capacity (what you can afford to risk based on your timeline and circumstances) and risk tolerance (your emotional comfort with market volatility)
• Investment Analysis: Comprehensive review of all available investment options within your employer's 401(k) plan, including expense ratio analysis and fund quality assessment
• Current Allocation Review: Analysis of your existing 401(k) investments and how they align with your risk profile
• Employer Match Optimization: Review of your employer's matching formula and confirmation that you are capturing the full employer contribution
• Fee Analysis: Identification of high-fee investments and lower-cost alternatives available within your plan
• Personalized Recommendations: Specific fund selections from your plan's available options tailored to your risk profile and retirement timeline
• Implementation Guidance: Step-by-step instructions for making recommended changes to your 401(k) investments

Scope Limitations: This service does NOT include ongoing account management, comprehensive financial planning, analysis of accounts outside of the specific 401(k) being reviewed, or advice on overall retirement income planning. This is a one-time optimization service focused exclusively on your current employer's 401(k) plan. For more comprehensive support, contact our office to schedule a call.