Maximize Your 401K. Today.
The right time to optimize your 401k is now. Every day without expert involvement means missed opportunities for growth. Let 401K Partners' expertise work for you, turning your standard 401k into a powerhouse for your retirement.
Don’t Wait to Optimize Your 401k.
Maximize Every Moment for Your Future
Each day your 401k remains unoptimized is a day of potential gains lost. Our sole focus and specialization in corporate 401k optimization ensures we're uniquely equipped to help employees of top corporations maximize their 401k holdings. Backed by our multi-decade financial advising success, we transform your retirement savings into a dynamic asset.
Set It and Forget It? Not Any More.
While the overall stock market (S&P 500) returned an average of 7.2% the results for investors were only 2.6%. Even considering a more balanced portfolio (60% S&P, 40% bonds) the returns were almost 4% higher. This large of a difference not onlyresults in significantly lower balances at retirement but also lower expected income during retirement.
More Choices Beyond What Your Company Shows You.
Leaving your 401k to limited corporate allocation choices means potentially missing out on significant growth. 401K Partners offers precision optimization, a proactive approach that can substantially outperform standard allocations. Besides when you make your limited choices, you are in (long) those stocks, bonds and more and nothing will change unless you change it yourself.
That means no one is representing you, moving allocations around to take advantage of upswings and to minimize downswings during normal market fluctuations.
It's not just now. It's later too.
Individual investors often underperform in the market, impacting their long-term income. This is partly due to a misunderstanding of stock market risks. Many view it as risky in the short term, not realizing that over periods of at least 12 years, the market has consistently yielded positive returns. Short-term market behavior leads to 27% of one-year periods closing negatively, but this risk virtually disappears over longer periods.
Individual investor psychology also plays a role. In rising markets, many overestimate their risk tolerance, while in downturns, they underestimate it, leading to poor decision-making driven by fear and greed. This emotional response can result in suboptimal investment choices, highlighting the need for an investment professional who can proactively mange both the risks and rewards of market movements long and short term.
An example: If we take the average employee making $72,000/yr and increase this salary by 3% per year over their working lifetime, estimate that they contribute 10% of their pay and their employer matches the first 6% of the employee contributions: at 3.66% average return, after a 35 work life the retirement account value would be $1,263,509. Compare that to that balance for the average retiree who had some help the same contributions would amount to $2,340,093.
More importantly, the math does not stop at retirement. After retiring, how much can you safely withdraw each year from these balances? If we simply spend half the average return each year the income generated with no help equals $23,123 per year as opposed to $81,669 with help.
No One Representing You? We Have You Covered.
Empowering Your Financial Independence
Corporate fund managers often prioritize ease of management over maximizing your returns, limiting your investment choices. 401K Partners advocates for your financial future, providing access to a full spectrum of investment options that can significantly enhance your retirement savings.
To be more to the point - No One is representing you, moving allocations around inside of the mutual fund choices to optimize your returns for your financial future.
401K Partners has 100’s of strategies for market moves that will benefit YOU. We also have far more allocation models based on risk levels, life stages and goals and can even expand the investment venhicles beyond what the company offers. All inside of your existing corporate 401k.
We Can Deliver More Value.
A LOT More.
Elevating Your 401k to Unprecedented Heights
With 401K Partners, optimizing your 401k isn't just about managing savings; it's about amplifying them. Our dedicated focus on corporate 401k optimization makes us the best choice for employees seeking to maximize their retirement potential.
The days of setting it and forgetting it are over. You’ll leave money on the table. The days of trying to do it yourself are over. You now have corproate 401k specialists that can represent YOU with advanced strategies and allocations specific to YOU.
Don't let another day pass with your 401k on autopilot. Partner with 401K Partners for a future that's not just secure, but prosperous. Schedule a discovery call now and take the first step towards a more robust and rewarding retirement.
