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Maximize Your 401(k)

PCAP – Participant Consulting Advice Program

Make the most of your employer-sponsored retirement plan through our PCAP program, which is designed to provide one-on-one advice to individual participants for their work 401(k), TSP, 457, or 403(b) Plans. Receive asset allocation and/or specific investment recommendations tailored for your unique situation.

*Flat rate of $500 for 1st plan reviewed and $250 for each plan thereafter.


Employer-sponsored plans are, by their nature, oversimplified to meet the needs of many.

By partnering with a financial professional, you can receive guidance and a thoughtful strategy that brings your personal vision of financial independence into focus—whether you’re just getting started or nearing retirement.

Aligning Your Portfolio

Aligning Your Portfolio

With an in-depth understanding of your employer’s retirement plan, your financial professional can evaluate your current investments and help you build a portfolio featuring a diversified combination of asset classes and securities in line with your objectives.

  • Identify your long-term financial goals and the steps needed to pursue them
  • Analyze the composition and balance of your existing portfolio
  • Build a diversified portfolio balancing risk and return
  • Help you align your retirement plan with your goals as you reach significant life-changing milestones

And because they have no proprietary products to sell, you will always receive objective retirement plan guidance.

Reviewing Performance

Reviewing Performance

Significant life changes can also impact your finances and affect your retirement plan:

  • Life-transforming events (new job, marriage, new child)
  • Risk tolerance changes as you approach retirement
  • Major market changes requiring adjustments to your portfolio
  • Modifications to your employer-sponsored retirement plan options

Our financial professionals have access to leading market research and global insights to help educate you to identify when and how to change allocations to keep your strategy on track.