Are you maximizing the potential of your entire financial portfolio? For many, employer-sponsored retirement accounts like 401(k)s and 403(b)s represent a significant portion of their wealth. Historically, these assets have often remained siloed, managed separately from your overall financial plan. But what if you could integrate them seamlessly, ensuring they work harmoniously with your long-term goals?
The Challenge and Our Solution
Traditionally, professional financial management has provided significant benefits, but managing assets held outside of our direct purview has been a challenge. Now, through our strategic partnership with Pontera, we’re changing the game. We can now bring your employer-sponsored retirement accounts into the fold, providing comprehensive, holistic management.
Why does this matter? As highlighted in our “What is Advisor Alpha?” blog and further supported by recent studies highlighted in a Kitces blog, a unified approach to financial planning can lead to enhanced returns (potentially up to 3% in net returns) and greater peace of mind. Since these employer-sponsored accounts often represent the most significant assets many of our clients hold, integrating them is crucial for a truly comprehensive strategy.
The Tangible Benefits of Integrated Retirement Asset Management
By integrating your retirement accounts into your overall financial plan, you’ll experience:
- Full Integration into Your Financial Plan: Your entire financial picture comes into sharp focus, allowing for more strategic decision-making.
- Ongoing Monitoring of Total Financial Assets: Stay informed about the performance of your entire portfolio.
- Due Diligence of Plan Offerings: We’ll analyze your existing plan options to ensure they align with your goals and risk tolerance.
- Regular Rebalancing: Maintain your desired asset allocation with regular rebalancing, keeping you on track.
- Performance Reporting: Receive clear, concise reports on the performance of your integrated retirement accounts.
Introducing Pontera: Secure, Cutting-Edge Technology
We’ve partnered with Pontera, a leading software solution designed for financial advisors, to facilitate this seamless integration. Pontera allows us to manage your 401(k)s, 403(b)s, and other retirement accounts with precision and security.
Your Security and Asset Protection: Our Unwavering Commitment
We understand the importance of safeguarding your financial information and assets.
- Data Security:
- Pontera adheres to industry-standard security frameworks (CIS Benchmarks, NIST guidelines).
- Regular SOC 2 Type II audits ensure robust security controls.
- Advanced security infrastructure (encryption, multi-factor authentication) protects your data.
- Pontera complies with all relevant privacy regulations.
- Asset Protection:
- We have limited access: we can view holdings, trade, and analyze, but we cannot access login credentials or make unauthorized transactions.
- Data Loss Prevention (DLP) tools prevent data leaks.
- We’ve conducted thorough due diligence on Pontera’s security and reliability.
Empowering Your Retirement Security
By allowing us to manage your employer-sponsored retirement accounts, you gain greater control over your financial future. We can develop a comprehensive strategy that ensures all your assets work together to achieve your goals.
Next Steps: Let’s Discuss Your Financial Future
We’ll review this new capability during our regular financial planning meetings. However, if you’re eager to learn more or integrate your retirement accounts sooner, please contact our team. We’re here to help you unlock your full financial potential.
Kirsten Halpin, CFA®, CAIA®, FRM
Director of Investments
Alaska Wealth Advisors, LLC is an investment adviser registered with the U.S. Securities and Exchange Commission. Registration does not imply a certain level of skill or training. More information about Alaska Wealth Advisors’ investment advisory services can be found in its Form ADV Part 2 and/or Form CRS, both of which are available upon request.
