Smart401k FAQs


How much does the service cost?

Smart401k has two payment options, $199.95 paid each year or $59 paid each quarter ($236 annually). 

How do I pay for the service?

We require that you provide credit card or debit card information during the secure sign-up process. As an alternative, you can call us at 877.627.8401 to sign up via telephone. We also accept payment by personal check. Please call for details. 

How do you get my investment options?

During the registration process you have the ability to provide the list of funds available in your plan. You can also email the information to us at or fax the information to 866.666.5583.

How do I sign up for service?

Signing up is easy and typically takes less than 10 minutes to complete. You can start the sign-up process here, or on any page with a registration link. You'll answer a few questions about yourself, your billing preferences and complete the Investor Profile questionnaire. Provide a list of funds available in your retirement plan and our advisors will begin evaluating your options. You will receive your recommendation in one to three business days.

How do I cancel my membership?

If you wish to cancel your membership, sign in to your Smart401k account using your user name and password, choose My Smart401k Account from the top menu tab. Payment Information will provide you with access to your billing profile. 

How do I update my credit card information?

If you need to update your credit card information, sign in to your Smart401k account using your user name and password, choose My Smart401k Accountfrom the top menu tab. Payment Information will provide you with access to your billing profile.

What type of retirement accounts do you provide investment advice?

Smart401k provides investment advice for people in a work retirement plan. The most common examples are 401(k), 403(b), 457, the federal Thrift Savings Plan and small business plans like SEP-IRA and SIMPLE IRA accounts.

Is the service automatically renewed?

Our memberships are designed to be ongoing, so we will continue to charge your card-of-record each time your membership is up for renewal?

What do I do if there is a change in my investment options at work?

Your employer doesn't provide us with investment updates, so we ask that you give us that information. You can submit your updated fund list through the member center, or you can email the list to You can also fax the information to 866.666.5583. 


Is my information secure?

We use 128-bit encryption to keep your personal information secure. Our website is tested daily by McAfee Secure.

What is your privacy policy?

Smart401k, LLC values the privacy of its website visitors and clients and maintains a strict policy regarding the use and safeguarding of personal, non-public information. Please read our full privacy policy here

Are you paid by any fund companies?

No. We are a completely independent advice company and we're not paid by any investment fund company. All of our recommendations are made in the best interest of our clients.


How do you determine investment recommendations?

Our investment methodology is designed to create a recommendation that matches your Investor Profile. We don't attempt to choose all of the best-performing investments from your plan each quarter because the consequences of unexpected market fluctuations can be detrimental for people using that investment strategy. 

Instead we advocate a long-term approach determining an optimal allocation using your tolerance for risk, your retirement goals and time to retirement. To determine your optimal allocation we use the concepts of Modern Portfolio Theory and the Efficient Frontier. 

Once we've determined the right mix of asset classes, we select appropriate funds using a proprietary  fund selection method considering manager track record, consistency of performance, performance comparison against benchmarks, risk factors and expenses. 

What is Modern Portfolio Theory?

The theory, first published in the 1950s, formalized and advocates the practice of diversifying across a variety of investment types. The chief benefit of diversification is a reduction in portfolio risk - diversification is the opposite of putting all your eggs in one basket.

What is The Efficient Frontier?

An element of Modern Portfolio Theory, financial analysts use this equation to determine which funds that have the highest expected return for a specific level of investment risk.

How often will you change my recommendation?

We believe retirement investing demands a long-term approach, even if you are within a few years of your retirement date. We provide ongoing market-activity monitoring and will notify you via e-mail if a change is necessary. If we deem a change is necessary, we will notify you via email.