Investment Freedom

Investment Options Should Be About Choice, Not a PROVIDER'S FEES

Investment Options for Every Investor

Perfect401(k)'s investment options are designed to give your employees as much freedom or direction as they want. Many providers limit investment options to high-priced funds where they receive financial incentives from the very funds they recommend, needlessly increasing your fees. We don’t do this. Perfect401(k)TM avoids such conflicts of interest by always putting plan participant interests first. We give your employees high-quality, low-cost investments options, with customizable levels of investment advice.

Your employees will have the option of choosing one of our three Investor Profiles, based upon how involved they would like to be in the investment process.


Fully-Managed Profile

PRO Account Portfolios

Employees seeking the maximum level of investment assistance can choose to delegate the ongoing management of their personal 401(k) accounts to a Perfect401(k)TM investment professional. They will choose from one of our 3 actively-managed PRO Account Portfolios, according to their risk preference and investment style: Conservative, Moderate, or Aggressive.

See below for more information about our “PRO Accounts.”


Guided Profile

Core Funds Account

Perfect401(k)TM also offers a simplified list of nearly 20 low-cost, high-quality mutual funds to choose from. Our customized “Core Funds Portfolio” lets employees select from our simplified list of hand-picked, high performing investments, such as Vanguard, Schwab, and Exchange Traded Funds (ETFs).

Please contact us to learn more about our Core Funds List.


Self-Directed Profile

Personal Brokerage Window Account

If employees prefer to actively manage their own 401(k) investments, to also include individual stocks and bonds, they can establish a self-directed brokerage-window account with Charles Schwab & Co., Inc. Under this option, employees will be granted total discretion and responsibility over all their investment selections, asset allocation, and trade executions—which means they will have all the investment flexibility enjoyed by experienced investors.

Interested in Our PRO Account Portfolios?*

Employees who select Perfect401(k)TM PRO Account Portfolios will allow our investment professionals to completely manage their accounts for them—from selecting funds to processing trades—on a fully discretionary basis. Portofolio management services are provided by Wellington Consulting Services, Inc., our investment advisory entity registered with the Security & Exchange Commission (SEC). Because we recognize every employee has unique investment needs, Perfect401(k)TM offers a suite of 3 distinct model portfolios with differing risk preferences and time-frames relative to each other. The portfolios' management objectives are to optimize performance over the targeted investment time horizon of each portfolio. Portfolio names ("Conservative", "Moderate" & "Aggressive") are intended to depict their risk profiles on a relative basis to each other, rather than any objective or absolute basis.

Model portfolio names denote risk levels relative to each other rather than as static risk levels. Performance is attempted to be optimized over the investment horizons identified. Model portfolio investment allocations attempt to prioritize the avoidance of large unrecovered losses within portfolio minimum investment horizons over more immediate performance objectives. Model portfolio investment allocations tend to prioritize relative long-term historical valuation metrics over "momentum" or other shorter-term allocation methodologies. Actual model portfolio allocations may differ substantially from any performance benchmark target allocations. Model portfolios are comprised largely or entirely of mutual funds and/or Electronically Traded Funds ("ETFs") which are not FDIC insured and which may lose value. Portfolio objectives regarding performance, volatility and investment time-frames are not guaranteed and may not be realized. Prior performance may not be indicative of future results. Always promptly inform your investment adviser if your investment objectives and/or investment time horizons change as they should always remain aligned with your model portfolio selection(s). The performance benchmark for the “Conservative” portfolio is 80% fixed-income (Treasury Bills); 20% equities (S&P 500), however actual portfolio allocations and resultant performance may differ substantially. Portfolio allocation subject to change without notice.