Take Control of Your Retirement Destiny

It’s no secret that 401(k) and other “defined contribution” plans have now largely replaced traditional pension plans. Unlike pensions, 401(k) plans do not guarantee any certain level of monthly benefit - you get whatever income your accumulated account balance will buy. If a bear market comes along just as you retire, your 401(k) plan would most likely lose alongside the markets, since most such plans are highly correlated with major stock indexes.

Fortunately, there is a way for you to incorporate an active management strategy into your participant-directed retirement account that could help to minimize losses, and it doesn’t require any action or approval on the part of your employer or Plan Administrator!

Howard Capital Management (HCM), one of our AdvisorLink® recommended money managers, has developed the HCM 401(k) Optimizer® to allow participants in 401(k), 403(b), 457 or other defined contribution plans to have access to their actively managed sector rotation strategy. 

The HCM 401(k) Optimizer® provides specific instructions on how to allocate your 401(k) account among the options available in your plan based on your individual risk tolerance and HCM’s Proactive Sector Rotation methodology. Plus, it offers access to the HCM-BuyLine®, a proprietary indicator that tells HCM when to be in the market and when to move to a defensive position. This gives you the potential to go to cash during bear markets and corrections, something buy-and-hold strategies simply can’t (or won’t) do. 

CLICK HERE to view the HCM 401(k) Optimizer® Fact Sheet.

HERE’S HOW IT WORKS:  The HCM 401(k) Optimizer® is a subscription service in which HCM offers its personalized investment recommendations that you then, in turn, execute in your 401(k) account. HCM analyzes your risk tolerance and the choices available in your employer’s plan and sends you an e-mail to let you know that your recommendations have been posted on your personal, password-protected web page. You simply log in to the HCM 401(k) Optimizer® and follow the instructions.

When you sign up for the HCM 401(k) Optimizer®, you will also be assigned to one of Halbert Wealth Management’s experienced Investment Consultants who will be available to help you with questions about this program.

During our research, we found 401(k) account management services with costs in the $1,000 to $1,500 range per year. However, the HCM 401(k) Optimizer® is a bargain at only $348 per year ($313.20 with your Halbert Wealth Management discount). That works out to less than a dollar per day to access the experience and strategy of a professional Advisor managing over $210 million of client assets in all of its various programs.

CLICK HERE to receive an information packet by mail, including a historical chart showing all of the buy and sell signals issued by the HCM-BuyLine® since its inception.