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Your workplace retirement plan may offer more flexibility than you realize.
If your 401(k), 403(b), or 457 plan offers a self-directed brokerage account or brokerage window, you may be able to access a broader range of investment options and begin working with a Financial Professional—without waiting until retirement or necessarily moving money out of your current plan.
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Meagher Financial Services
Retirement Advice.
Before Retirement.
Meagher Financial Services
What Is a Self-Directed Brokerage Account?
A self-directed brokerage account, sometimes called a brokerage window, is an option offered inside certain employer-sponsored retirement plans.
Availability, investment choices, fees, eligibility, and plan rules vary by employer and retirement plan.
Depending on your employer's plan, an SDBA may allow you to:
- Keep your retirement assets within your current employer plan
- Access investment choices beyond the plan's standard menu
- Receive professional investment guidance
- Build an investment strategy around your broader retirement goals
- Establish a relationship with a Financial Professional before retirement
Plan Earlier
Why Consider It Before Retirement?
Most people wait until retirement to begin coordinating their 401(k) with the rest of their financial plan. An SDBA may provide an opportunity to begin that process earlier.
1
Investment Allocation
Review how your retirement plan is currently invested and whether your allocation remains aligned with your goals.
2
Risk & Diversification
Consider how your investments are diversified and how much risk may be appropriate for your situation.
3
Retirement Timeline
Look at how your current savings and strategy support your expected retirement date.
4
Income Planning
Begin thinking about how retirement assets may eventually support your future income needs.
5
Outside Accounts
Consider your employer plan alongside IRAs, investments, and other retirement assets you may hold.
6
Your Brokerage Window
Determine whether an SDBA is available and whether using it may make sense based on your individual circumstances.
Complimentary Review
Find Out What Your Plan Allows
We'll help you review your current employer-sponsored retirement plan, identify whether a self-directed brokerage option is available, and discuss how your current investments fit into your broader retirement strategy.
There is no obligation to make a change.
Start With a Review
Schedule a complimentary conversation to better understand your current retirement plan and the options it may provide.
Important Information: Self-directed brokerage account availability, investment options, fees, restrictions, and eligibility vary by employer-sponsored retirement plan. Not all plans offer a brokerage window. A review of your specific plan documents is necessary to determine what options may be available to you.
