Are you fiduciary 401k advisers? +
Yes — 100% fee-only fiduciaries. We sign a fiduciary oath, disclose every dollar we earn, and never take commissions from funds.
Can you manage my current employer 401k? +
Absolutely. We don't custody assets — we direct allocation inside your existing Empower, Fidelity, Vanguard, Schwab, Principal or TIAA plan with quarterly updates.
Should I roll over my old 401k to IRA? +
Usually yes for lower fees and more choice, but we compare expense ratios, Rule of 55, NUA stock, and creditor protection first. Rollovers are executed as direct tax-free transfers.
What’s wrong with target-date funds? +
Nothing fatal — but average TDF charges 0.45-0.70% and glides too conservative. Our custom index blend averages 0.06% and is tuned to your actual retirement age.
How much employer match am I missing? +
The average worker leaves $1,336/yr on the table. We check your match formula, vesting and true-up, then set contribution to capture 100%.
Do you require minimum balance? +
No. Advice starts at $49/mo with no minimums. Full wealth management prefers $100k+ but 401(k) guidance is open to all.
