Why Smart401k?
Work retirement plans (also called employer-sponsored plans) have empowered plan participants by enabling each of us to control our own retirement savings. And with control comes responsibility – we’re each responsible to save and invest appropriately for the future. The Smart401k founders started this company to help retirement investors manage work retirement accounts and to help them understand the importance of planning for retirement. Since 2003, our only purpose has been to provide investors with retirement investing advice and education.
Our services are dedicated to helping you invest with confidence and avoid common problems.
Common Problem: Who has my best interests in mind?
It’s difficult to know whether advice is in my best interests or those of my adviser. I wonder how my adviser is compensated.
Smart401k solution: We are proud to offer unbiased investment advice. We have no ties to any fund companies, and we accept no compensation other than the fee you pay. So you can be sure the only interest we serve is yours.
Common Problem: Fund information overload
Choosing between investment options can be confusing and overwhelming. Confused plan participants often make poor investment decisions – or no decision at all.
Smart401k solution: We take the confusion out of investing. Our recommendations specify which funds to invest in and what percentage of your contribution should go to each, based on your Investor Profile, market conditions and fund research.
Common Problem: Lower average returns
Investors often make investment decisions grounded in emotion. That behavior can lead to lower-than-expected returns, which makes it much more difficult to reach your retirement goals.
Smart401k solution: We help you build a diversified portfolio with a long-term investing strategy, allowing you to avoid common investing mistakes that diminish returns*.
Common Problem: No time to spend researching investments or planning options
Many investors know they should save but lack the time or knowledge to properly plan for retirement.
Smart401k solution: We provide educational materials and tools in one location. Our resources are quick and easy to use – to save you time. We’ll help you define what you need and how to get there, so you can feel confident you are on the right track. Check out this information about our Retirement Outlook planning tool to see an example.
As a part of our service, we are committed to providing you with access to our team of advisers. When you contact us, a licensed adviser responds – not a customer service representative. Our purpose is to help you get the most out of your retirement plan, so you can feel confident that you’ll be able to enjoy your retirement.