A Professional, Personalized Approach to 401(k), 403(b), 457, and TSP Investing

David Maynard |

A Professional, Personalized Approach to 401(k), 403(b), 457, and TSP Investing

Do you ever look at all the investment options in your company retirement plan and wonder which funds you should pick? How about when to make changes? Well, if you’d like some help, you may want to take a look at 401(k) Optimizer. The 401(k) Optimizer is an on-line tool managed by Howard Capital Management that analyzes your options, reviews your risk profile, then recommends how to allocate your retirement account. Better yet, you’ll receive quarterly emails with suggested updates based on market and economic conditions.

Mike Rowe, Regional Vice President at Howard Capital, says 401(k) Optimizer can play a key role in helping you manage your account, especially during volatile markets because “in times of difficult markets you can also get advice as to (when to) move your assets to cash, flight to safety.” Take 2020, for example, when Howard Capital saw difficulties in the market last February and March, it emailed program participants recommending they move either partially or 100% to cash based on their risk profile. Mike says in mid-April those same participants received an email saying “not only are we (Howard Capital) moving back into the equity market, but here are the sectors, sub-sectors, style boxes that we are specifically going (to invest in) and here’s your particular recommendations based upon your risk tolerance and what investment options are available to you.”

Want to learn more? Visit https://www.maynardwealth.com to view a 401(k) Optimizer video in our interactive tools section at https://www.maynardwealth.com/interactive-tools.

Ready to get started? Just register for an account at www.401koptimizer.com. The 401(k) Optimizer’s database already has information on hundreds of plans; but, if it can’t find your company, simply upload a PDF of your plan’s investment menu. 

While Howard Capital charges a nominal monthly fee, we have a limited number of complimentary subscriptions, so we may be able to give you a promo code- just ask us!

  • David L. Maynard, MBA, Wealth Manager, Maynard & Associates Wealth Management
  • Elizabeth Swanson, Social Security Planning Manager, Maynard & Associates Wealth Management

Securities offered through Securities America, Inc., member FINRA/SIPC. Advisory services offered through Securities America Advisors, Inc. Maynard & Associates Wealth Management and Securities America, and Howard Capital Management are separate entities.