Tree City Advisors, LLC.    |    An Idaho Financial Advisory Firm

1673 W Shoreline Drive, Suite 140  |  Boise, Idaho 83702

©2018 Tree City Advisors

All Rights Reserved

  • Facebook Social Icon

MY (k) PLAN ADVISOR

 

Individual 401(k) Plan Advising

& 403(b)

& 457

Responsibility is on YOU to manage your workplace retirement plan, but YOU aren't the expert. 

Luckily we are!

Did you know that earning or saving an extra 1% in your plan can mean the difference between retiring comfortably, retiring early, or maybe it has you afraid of running out of money?

For example, you have $50,000.  If it earned 7% for 30 years you will have $405,824 (compounding monthly).  But if it were 8%, it could grow to $546,786!! 

THAT'S A $140,000 DIFFERENCE!!!

How would your plan look differently with an extra 1% each year?  

Calculate my plan

Your 401(k), 403(b), or 457 portfolio includes a variety of investment options. These are designed with risk tolerance and age in mind (as with any investment plan) but a completely hands-off approach may result in missed opportunities for growth for your hard-earned retirement funds. 

Learn how Tree City Advisors might be able to help you optimize the account 

of your employer-sponsored plan. 

 

Schedule a free consultation with the link below:

WHY MY (k) PLAN?

Are you asking yourself these questions?

 

Which investments in my 401(k) should I choose?

Am I contributing enough to reach my goals?

What if the market changes, do I change my investments?

How often should I adjust or rebalance by 401(k) investments?

 

Each question is critical and without answers could cost you thousands in lost potential. Your 401(k), 403(b), or 457 portfolio includes a variety of investment options that can be confusing and complex. Implementing a complete hands off approach often results in missed opportunities for growth and results that may not be in line with your financial goals.

 

Now, you don’t have to be the expert. With MY (k) PLAN we can help optimize your account as well as avoid common costly mistakes that can kill a 401(k). 

MY (k) PLAN includes*:

  • Two meetings to review your account and implement your plan

  • Personalized risk score

  • Strategic and personalized fund review and investment allocation

  • Recommendations based on your individual goals

  • Contribution review and guidance to reach your goals

 

Why hire us if you can do this yourself?

In this age of market volatility and constant change, it takes much more time and expertise to get it right. With expert advice on the management of your portfolio, taking into account your goals, needs, and personal financial situation, you can have peace of mind knowing a professional is on your side and is helping you to optimize your retirement account.

 

Many studies from well-known industry research organizations suggests that, over the long term, professional advice can increase investment returns an average of 1.5% to 4% annually (reference 1). And this doesn’t include the emotional benefits of getting expert advice.

 

Although our service does not replace the need for a comprehensive financial plan, it can provide comfort that your plan account is allocated and diversified for you and working toward your goals. **

 

To schedule a free Discovery Meeting to see how Tree City Advisors may help you optimize your 401(k), schedule now or call us at (208) 888-1244.

Reference

*Plan management starts at $395+.

** Investing in securities involves risks including but not limited to the potential of losing some or all of your investment dollars.  Returns are not guaranteed when using an Investment Advisor.

  1. Sources: Envestnet, Capital Sigma: The Return on Advice (estimates advisor value add at an average of 3% per year); Russell Investments, 2016 Value of a Financial Advisor Update: More than 3.75% (estimates value add at an average of 3.75% per year); Vanguard, Putting a Value on Your Value: Quantifying Vanguard Advisor's Alpha® (estimates value add at an average of 3% per year); Merrill Lynch, Value of Personal Financial Advice (estimates value add at an average of 2%–3% per year); Morningstar Investment Management, Alpha, Beta, and Now... Gamma (estimates value add for a subset of the service identified in this paper at an average of 1.5% per year). The methodologies for these studies vary greatly. In the Envestnet and Russell studies, the paper sought to identify the absolute value of a set of services, while the Vanguard and Morningstar studies compared expected impact of advisor practices to a hypothetical base case scenario. Please follow the links above to see important differences in the methodologies of these various studies.