R E S O U R C E S T O L E S S E N T H E G U E S S W O R K

401(K) OPTIMIZATION TOOL

Are You Making the Most of Your Employer Plan?

Many employees acknowledge they often guess when choosing stocks, bonds, or mutual funds in a new employer plan.

So how can you make more informed decisions without sorting through hours of online information?

Meet 401(k) Optimizer®, a web-based tool developed by Howard Capital Management, an SEC-registered Investment Adviser. It offers data-driven allocation suggestions for participants in 401(k), 403(b), and other employer plans.

About 401(k) Optimizer

Unlock 401(k) Optimizer Access

Be sure to have your unique promo code on hand. Don't have a promo code? Request yours today.

START HERE

Download the flyer or follow the next few steps to continue to create your 401(k) Optimizer account and complete a risk tolerance quiz.

Securely link your existing employer plan via plan participant portal. Your plan participant login details are not acessible to anyone but you.

Start receiving plan-customized investment recommendations within two business days to your email inbox.

How 401(k) Optimizer Works

Once your account is linked, the HCM-BuyLine® algorithm reviews your employer plan and generates allocation suggestions. This rules-based indicator uses trend analysis to assess market direction and provides buy, reduce, or sell signals for specific CUSIPs/symbols across three market scenarios.

Frequently Asked Questions

Why are you offering me six months of complimentary product access?

When a product or service appears helpful or informative, we share it after testing it ourselves. One example is the convenience of receiving quarterly 401(k), 403(b), or 457 plan observations tailored to your company with minimal effort required from you. Click the button below to view and download the HCM flyer.

VIEW FLYER

What happens when my 401(k) Optimizer trial ends?

You continue to have dashboard access but will no longer receive custom allocation recommendations. You can extend your subscription for approximately $9/month.

Do I need to be an existing client to utilize this offer?

You do not need to be an existing client. An initial discussion with a CPCP, LLC Financial Advisor is required to ensure you understand how 401(k) Optimizer works and how to use your subscription effectively.

Will you or the third-party platform have access to my employer login information?

No. Your employer plan access stays solely with you. 401(k) Optimizer offers allocation suggestions, and you choose whether to act on them. It serves as a supplemental tool rather than an automated system.

I am interested in active management of my employer plan. Is this a service you offer?

An active management structure—often called a Self-Directed Brokerage Account (SDBA)—may or may not be offered in your employer plan. Learn more about SDBAs and whether your plan sponsor permits them here. If permitted, we can continue the SDBA conversation about your active management investment options.

Unless stated specifically otherwise, this is not a recommendation, offer or solicitation to buy or sell and any prices or quotations contained herein are indicative only. All investments are subject to risks similar to those of stocks. Investment returns will fluctuate and are subject to market volatility, so that an investor’s shares when redeemed may be worth more or less than their original costs. There are unique potential risks associated with the specific asset classes that a Mutual Fund or ETF represents. You should carefully consider the risk, charges, and expenses of an ETF prior to investing. There can be no guarantee that the HCM-BuyLine® indicator will perform as anticipated. Stoploss protection will not necessarily limit your losses to the desired amounts due to the limitations of the HCM-BuyLine®, market conditions, and delays in executing orders. It is not an actual stoploss order that automatically sells securities in the portfolio at a certain price. There can be no guarantee that the HCM-BuyLine® indicator will perform as anticipated. Stoploss protection will not necessarily limit your losses to the desired amounts due to the limitations of the HCM-BuyLine®, market conditions, and delays in executing orders. It is not an actual stoploss order that automatically sells securities in the portfolio at a certain price. The HCM Optimized Trend Indicator (“OTI”) also known as the HCM-Buyline® Illustrator is a tool developed by Howard Capital Management, Inc. All Howard Capital Management, Inc. logos, copyrights, and trademarks are to be credited to the original entity owner and have no affiliation with Cetera Advisors LLC.

Request Your Promo Code

Name

Email

Address

Phone

Additional Info

Thank you!

Oops!