Broker Check

Retirement Plan Advice

Integrity Wealth Advisors may be able to help you make investment selections and build an efficient portfolio within your 401(k), 403(b), or 457 retirement plan. Many retirement plans are offering self-directed brokerage options for their employees, which makes working with an advisor to help them with their investment planning possible.

If eligible, we can help you build a strong portfolio:

  • While you are still employed
  • While you are contributing to your plan
  • Without doing an in-service withdrawal or rollover

Why Seek Advice?

“Investment results are more dependent on investor behavior than on fund performance. Mutual fund investors who hold on to their investments have been more successful than those who try to time the market.”¹

  • Working with an advisor can help you to avoid making behavioral investing mistakes, such as timing the market or making emotional decisions that can negatively affect your long-term performance
  • An advisor can help you to manage the risk you are taking in your portfolio. Risk tolerance depends on the purpose, not just the client—s age
  • An advisor can help you to make sure your portfolio is efficiently leading you toward accomplishing your financial goals

A recent study shows that people that sought help with their 401(k) investments earned an average median return of 3.32% higher than those who did not seek help—even after they paid the fees for that advice.*

Median Returns²

Are you taking the appropriate level of risk to meet your goals?

  • Non-help participants had inappropriate risk levels 60.5% of the time
  • Too little risk can negatively impact the growth of your assets
  • Too high a level of risk can leave you more vulnerable to losses in a market downturn
  • Both too little and too high a level of risk can negatively affect your portfolio performance and be detrimental to reaching your financial goals

1. Dalbar’s 20th Annual Quantitative Analysis of Investor Behavior 2014: Average equity investor and average bond investor performance results are calculated using data supplied by the Investment company Institute. Investor returns are represented by the change in total mutual fund assets after excluding sales, redemptions and exchanges. This method of calculation captures realized and unrealized capital gains, dividends,interest, trading costs, sales charges, fees and any other costs.
2. Source: The study of 14 large retirement plans with more than 723,000 individual participants and over 55 billion in assets, by Aon Hewitt, a consulting firm, and Financial Engines, an investment advisory firm, between 2006-2012.  Median returns showed higher average returns, even after accounting for the fees they paid for that advice