You can access our investment professionals to bring real expertise to their own employer sponsored retirement plan.
Participant PlansDoes RIA Advisors serve as your employer’s retirement plan advisor? Access your retirement plan account by selecting your plan’s record keeper from the dropdown below. You will be able to:
- Enroll in your plan (please contact your plan administrator for info)
- Update personal information
- Change your investment elections
- Change your contributions
- Request certain transactions
- Access educational resources
FEEX (401k Automation)
Finding the time to invest and keep up with your 401(k) can be a challenge. Are you overwhelmed by your investment choices? Not sure about how you should position your portfolio? RIA Advisors can now directly manage your personal 401(k) plan account. By utilizing a secure platform provided by FEEX, RIA Advisors reviews, selects, monitors, and rebalances the investment choices available within your 401(k) all with your financial goals and objectives in mind. The FEEX platform is extremely flexible and allows RIA Advisors to manage your 401(k) account regardless of where it is held.The account connection process is simple, safe, and secure. Your 401(k) account stays in your name and remains with the financial custodian. RIA Advisors never has access to your personal log-in information. We cannot request any distributions from your account, nor can we change any of your personal account information.
401k Plan Manager
The core strategy consists of holdings that are based on market fundamentals, valuations, and long-term market trends. These are holding that should be considered “long-term” investments and should primarily track the benchmark index over time. The turnover of the portfolio should be extremely low with the exception of rebalancing periods due to market gyrations.
The tactical strategy consists of holdings which based on the short- to intermediate-term trends of the market. As macro-economic, monetary and fiscal policy, and investor psychology impacts markets, the holdings in the tactical strategy will shift to take advantage of market rotations. Importantly, this portion of the portfolio can move to all cash if needed to reduce risk in the event of a market downturn.
The fixed income strategy is designed to both take advantage of changes in interest rate and inflation expectations, but also deliver a lower degree of volatility to the overall portfolio. The primary focus of the fixed-income portfolio is to protect capital, generate income, and lower overall portfolio volatility.
On Friday, prices unexpectedly plunged as concerns over a new Covid variant rose. The rapid spread of the virus is worrying investors of another potential negative impact to the economy.
The good news, is such concerns give the Federal Reserve a potential excuse to raise interest rates or speed up their taper process despite surging inflation.
The selloff on Friday was not entirely unexpected, as we have continued to suggest remaining cautious with allocations as annual mutual fund distributions commence following Thanksgiving. Those distributions combined with year-end rebalancing has a tendency to put downward pressure on the market.
With the selloff on Friday, any further weakness could set the markets up for the year-end “Santa Rally.”
The advice over the last few weeks to rebalance your holdings and reducing portfolio risk hedged much of the drawdown Friday and gives us cash to buy into the Santa Rally when it presents itself.
In the short term, we suggest maintaining exposures in plan portfolios but continue putting new contributions back into cash or stable value holdings for now.
While we have not removed international, emerging, small and mid-cap funds from the allocation model, we suggest avoiding these areas for now and moving those allocations to domestic large-cap.
If you are close to retirement or are concerned about a pickup in volatility, there is nothing wrong with being underweight equities. However, there is likely not a lot of upside in markets heading into next year.