Recordkeepers
Recordkeepers are central to participant success. Pontera helps you extend advisor access to held-away 401(k) accounts, supporting participant choice while maintaining plan integrity, security, and oversight.
Pontera is committed to plan participants' success by enabling secure 401(k) management by their trusted advisor. Deliver more value for your platform and a better experience for advisors and participants.
Reduce leakage to IRAs
Pontera helps keep assets in plan, reducing leakage to IRAs and strengthening requests for proposal competitiveness. Advisors can manage participant accounts securely while you maintain control and trust.
Participants who work with an advisor contribute 50% more to their 401(k)s.
Almost 60% of advisors chose not to rollover a client's 401(k) due to better plan benefits and advisor's ability to manage them with Pontera.
Deliver higher participant satisfaction
Drive higher asset retention
Enhance plan competitiveness and give participants more choice by adding advisor-driven account management
Support the ongoing evolution and convergence of wealth and retirement planning
Partners
Frequently asked questions
What practices are put in place to protect participants?
Advisors cannot use the Pontera platform to engage in activities that could trigger custody, such as withdraw or transfer funds, change beneficiaries or contributions, or initiate distributions. They also cannot view client credentials, including logins and passwords.
What built-in safety protections exist?
Pontera is SOC 2 Type II and ISO/IEC 27001:2022 certified. Auditable rebalancing records and purpose-built functionality give financial advisors peace of mind and ensure activity remains compliant with applicable regulations.
Learn more about Pontera’s security practices by visiting our Trust Center and our Commitment to Client Protection.
What were advisors doing pre-Pontera?
Before Pontera, participants had limited ability to get guidance on their 401(k) assets from their own trusted advisor, and fiduciary responsibilities were shared among the employer, plan administrator, and third party managers. This made it difficult for financial advisors to provide tailored advice. Advisors had three sub-optimal options: 1) do nothing and leave client needs unmet; 2) give recommendations based on limited data and with no control over implementation; and 3) log in with client credentials which creates unnecessary risk.
Do advisors receive participant login credentials?
No, advisors never receive or use participant login credentials. Activity is logged in a rebalancing record to protect recordkeepers and participants.
Does Pontera replace existing offerings like managed accounts or TDFs?
No. Pontera complements your current lineup. It’s designed to serve participants who already have a trusted advisor or want individualized, in-plan management, adding flexibility and personalization options without disrupting default plan solutions.
Are recordkeepers able to integrate directly with Pontera?
Yes. In an effort to continue building features to help the wider ecosystem, we can integrate with recordkeeper APIs to make certain features available.
Featured resources
Why Pontera belongs in the conversation
Kyle Louvar CEO of Guide Capital Wealth Management speaks to the importance of adding Pontera to the RFP conversation.
A new way to deliver value to retirement plan clients and prospects
Pontera enables plan participants to receive personalized, in-plan advice on their retirement plan accounts from their trusted financial advisor.
3 reasons retirement plan advisors are adding modern retirement solutions to RFPs
Webinar: Offering wealth management to your plan participants
With Fred Reish, Josh Waldbeser, Jaron Carmichael, & Kevin Amoruso