Should your advisor manage your 401(k)?
Business as usual
If you have a 401(k), you may have used a Target-Date Fund (TDF). When you open your 401(k) account, you may select a "target date" year of retirement, pick a TDF, and then the TDF automatically selects investments for you.
When TDFs can work for you
Target-Date Funds can be beneficial:
When you don’t have outside investments
When the majority of your household assets are in a 401(k)
When your finances are simple (not yet working with an advisor)
When professional management may be best
If you’re working with a financial advisor, it’s time to consider your 401(k) as part of your full financial life for comprehensive management.
Your advisor can make sure your investments:
Are diversified to lower risk and increase opportunities for higher returns.
Work in harmony with your personal risk tolerance and goals at the forefront
How your advisor can help
Studies show professional management of retirement accounts can grow them by 3% more per year; that’s 75% over the span of 20 years.³ As you near retirement, a more tailored plan is needed, and your financial advisor can help you reach your goals.
22%
Individuals who receive professional advice tend to save 22% more than they would in a TDF. ⁴
Ask your advisor
Thousands of retirement savers across the country use Pontera to get professional management of their 401(k) by their trusted advisor.
1
Your financial advisor invites you to Pontera.
2
You securely connect your retirement accounts to Pontera.
3
Your advisor manages your 401(k) according to your financial goals.
Retirement accounts on the Pontera platform
April 28, 2023
Pontera is made for all retirement savers. No matter your life stage, if you’re considering holistic advice on your 401(k), talk to your advisor today.
1 Plan Design Can Help Savings Rates Hit All-Time Highs, Says Study, ASPPA, 2025
2 6 in 10 Americans Struggle to Make and Act on Financial Decisions, Corebridge Financial, 2026
3 Vanguard Advisor’s Alpha: Clients and their advisors thriving together for 25 years, 2025
4 Empowering America’s Financial Journey study, November 2022