Make your 401(k) work harder for you.

  1. Tell us about your goals

    It matters how you want to use your savings and how you handle risk.

  2. Get a review of your current investments

    We analyze your current portfolio and asset allocation and make sure your 401(k) contributions are on track.

  3. Receive a personalized plan

    We give you a written financial plan, including specific allocation and investment recommendations, that are your set of instructions specifically designed to help you reach your goals.

Why Smart401k

Being on top of my retirement gives me freedom
to dream.

A little help can make a big difference.


Saving and hoping is not enough. You need a solid plan.

If you save money in a 401(k), 403(b), 457 or Thrift Savings Plan, that’s a great start.

But just saving money doesn’t help you go far enough. You need to be invested in a way that makes sense for who you are and where you are in life. Otherwise, your money could be working against you--not for you and your family’s future.

With a FREE portfolio review and 401(k) Impact Analysis from Financial Engines, you’ll get a plan to help you reach your retirement goals and avoid leaving 401(k) money on the table.

Don’t wait to get the help you need.

from Financial Engines*
Fox Business, Market Watch, The Wall Street Journal, SmartMoney CNBC and Kiplinger

Get Started

You have too much at stake to ignore your retirement savings.

11According to a study by Financial Engines® ( FinancialEngines-2014-Help-Report.pdf), Help participants, on average, experienced median annual returns over 3% (332 basis points) higher than Non-Help participants, net of fees, over the period of 2006-2012. Additional retirement savings is a hypothetical calculation based on a beginning salary of $40,000, with an annual salary increase of 2.5%, and a 10% annual retirement contribution of the annual salary. The calculation assumes a 7.5 percent annual return and a 4.5 percent annual return. The hypothetical calculation is for illustrative purposes only. Actual results may vary based on changes to assumptions and investment performance.

Important Information

Smart401k is a registered investment adviser which provides independent investment recommendations for employer sponsored retirement plans. Smart401k is under common ownership with Financial Engines, and each advisor provides different types of investment advisory services. Financial Engines is a nationwide system of registered investment advisers, which include affiliated companies and independently owned and operated franchises. Individual Stores are SEC or state registered investment advisers. Each Store can offer investment advisory services to prospective and existing clients in the state where the Store is located, while a number of Stores may also offer advisory services in nearby or other states. The adviser may not transact business in states where it is not appropriately registered, excluded or exempted from registration. Financial Engines and Smart401k are separate but affiliated companies. They are not responsible for each other’s services or policies. Each entity is its own separate entity that provides services for its client independent from the other. Prospects or clients may directly retain the services of Financial Engines.

*© 2018 Financial Engines, Inc. All rights reserved. Financial Engines® is a registered trademark of Financial Engines, Inc. All advisory services are provided by Financial Engines Advisors L.L.C. or its affiliate(s). Financial Engines does not guarantee results and past performance is no guarantee of future results. See for patent information.”