Whether you have an old account from a former employer or an active plan you've never looked inside, we can help. Get a free, no-pressure review from an independent Pittsburgh fiduciary.
Not sure whether to roll it over, consolidate, or leave it where it is? That’s exactly what the review is for.
A no-pressure look inside your 401(k)—what you own, whether it's working, and your best options from here.
For your security, please don’t include account numbers or your Social Security number in this form.
Most people don’t have a 401(k) problem so much as a no-one’s-watching-it problem. These are the questions worth answering before another year goes by.
When did you last actually look at what’s inside your 401(k)?
Do you even remember which funds you picked—or what they’re costing you?
Are you leaving tax-advantaged money on the table every year?
Do you know what your 401(k) is actually invested in—and whether that still makes sense?
When you think about what it’s for, does it fit into your overall retirement plan?
Once you leave, the 401(k) stays connected to your former employer. That is an unnecessary layer of complexity.
If you are changing employers and have a 401(k) with your former company—that’s where we start.
We’re professional investment managers. We provide a lot of services, but we get paid for one thing—to invest your money well. That means protecting your assets, helping them grow, and helping you sleep at night.
We invest with a value discipline: good companies at sensible prices, judged by return on equity and fundamentals rather than headlines or emotion. We explain how everything works before you commit—because if you don’t understand it, it’s a bad deal.
Understand what your 401(k) is doing for you. Make sure it fits your whole financial picture.
“An educated investor is a more successful investor.”— Tony Muhlenkamp
Three things have kept clients with us for decades.
We get to know you and your needs. We are deliberate in our recommendations for you and your full financial picture.
As an independent advisor, we recommend what’s right for you—and we are happy to help you. We are fee-based managers who get paid for managing money.
We show you what you own, what your options are, and ask the questions relevant to your situation—in plain English, so you can decide your next move with confidence.
A clear, unhurried process—and you decide every step of the way.
We help you locate your old account (or accounts), see exactly what you’re invested in, and surface the fees that are easy to miss.
Roll it to an IRA, manage it where it is, consolidate several old plans, or leave it alone. We lay out each path—and the tax impact—before you decide anything.
After the review, you will know what you have, whether it is working, and what—if anything—should change. You leave knowing more than you came in with.
The kind of clarity people wish they’d found years earlier.
Two old 401(k)s from former employers, both in target-date funds, neither reviewed in years. After consolidating into a managed IRA, the accounts are coordinated and invested to match the client’s actual situation.
A current 401(k) with a limited fund menu. After reviewing the available options, we eliminated two underperforming funds and restructured toward equity—without a rollover.
A client who assumed they were diversified because they owned an S&P 500 index fund. The review revealed heavy concentration in large-cap technology. We helped them broaden across market segments.
These are hypothetical scenarios for illustrative purposes only. They do not represent any specific client’s experience or results. Past performance is not indicative of future results.
The things people ask first about an old 401(k). If yours isn’t here, just ask us.
It depends. Sometimes rolling an old 401(k) to an IRA means more options and lower costs; sometimes leaving it where it is is genuinely the better call. We’ll show you your options, with the real tradeoffs, and never steer you toward the option that pays us more.
Nothing. It’s a complimentary, no-obligation look inside your plan. If you decide to work with us afterward, we’re fee-based and a fiduciary—and we’ll explain exactly how that works first.
A direct rollover from a 401(k) to an IRA generally isn’t a taxable event and avoids early-withdrawal penalties. If you are considering a Roth conversion as part of the process, that is a separate decision—and a more involved one. We will walk through it with you before you do anything.
Yes. Pulling scattered accounts into one place is often the single biggest “aha” for the people we meet—it makes everything easier to manage and to coordinate with the rest of your retirement.
Yes. We are able to work directly within active 401(k) accounts—reviewing the available fund options, making changes on your behalf, and coordinating the account with the rest of your portfolio. No rollover required.
Request your free review below or call (724) 935-5520. We’ll look inside your plan, walk you through your options, and you decide what’s next—no obligation.
Start with a free, no-pressure review. We’ll show you what’s inside, whether it’s working, and the right move from here.
The review is free, confidential, and there's no obligation. It takes about 20 minutes.
Get my free 401(k) reviewConfidential. We never sell your information.