Savings Plan Management

Since their creation in the early 1980s, the 401(k) plan has transformed how Americans save for retirement. Sponsored by an employer, these retirement plans allow people to save, with pre-tax dollars, by investing in a menu of investment options. Unfortunately, not everyone has the time, tools, or talent to manage their investment selections in a way that will prudently help them reach retirement goals.

For more than twenty years our staff of professionals has been building a disciplined portfolio management process and a rigorous back office trading operation for managing assets within 401(k), 403(b) or other company-sponsored retirement savings accounts.

Those without the tools or talent, or time or desire to learn, seek the help of a financial advisor. Retirement Management Systems helps people and their financial advisors manage these worthwhile, yet often confusing, retirement savings plans.

The savings plan management service is an asset allocation and rebalancing program designed for 401(k), 403(b), 457 and other defined contribution retirement plans sponsored through employers.

Through a disciplined investment management process, Retirement Management Systems will prudently allocate and monitor your savings plan account throughout the year. Best of all, you won’t have to spend valuable time analyzing market and economic conditions in order to decide when and how to reallocate. Retirement Management Systems does all the heavy lifting for you.

Having your financial advisor involved in the process helps to ensure that the 401(k), or other plan type, is working in conjunction with other components of your comprehensive wealth and retirement strategy. Working as a team:

Your Financial Advisor…

  • Helps you set realistic retirement goals
  • Helps you understand the relationships among risk, return, time and contribution rates
  • Monitors progress toward your goals

…while Retirement Management Systems…

  • Constructs a diversified portfolio appropriate to your risk appetite and return needs
  • Implements the portfolio
  • Reallocates the portfolio if market conditions warrant

Frequently Asked Questions