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How Pontera works
Manage clients' held-away accounts with confidence
Advisors can deliver truly holistic service with 401(k) management.
Empowering savers to choose
Savers choose their financial advisor, but employers choose where workplace retirement plans are held. Advisors may not be able to view or manage these retirement accounts, leading to a limited view of clients' financial pictures.
When a retirement saver connects their account to Pontera, we bridge the gap between their advisor and their held-away account—ensuring advisors can deliver the same level of service across their client’s entire portfolio.*
*Note that advisors can’t engage in activities that could trigger custody, such as withdraw or transfer funds, change beneficiaries or contributions, or initiate distributions.
How advisors use Pontera
Here’s how Pontera helps financial advisors bring workplace retirement accounts into holistic advice, with workflows designed to support how their firms serve clients.
Pontera’s Discretionary Workflow is designed for advisors who can directly manage workplace retirement accounts, while the Non-discretionary Workflow provides a client-implemented workflow.
Check with your home office to confirm which model applies to you.
Discretionary
Non-discretionary
1. Client chooses to have their advisor manage their retirement account
Client agrees that they would like their financial advisor to manage their workplace retirement account.
2. Client connects retirement account to Pontera
3. Advisors gain visibility
4. Advisors can rebalance with confidence
5. Orders are captured in supervision view
6. Integrations streamline processes
Keep retirement assets in focus
Pontera helps advisors deliver holistic management — improving tax planning, building stronger relationships, and delivering measurable impact.
Security-first and audit-ready
See how Pontera powers holistic advice
