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Get Professional Help With Your Workplace Retirement Account


Your 401(k), 403(b), or 457 is an important part of your retirement strategy. We can help you understand your current investment options, review how your account is invested, and determine how your workplace retirement plan supports your long-term goals.


You may have access to additional investment options within your existing plan. We’ll help you understand what your plan allows.

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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.

During your complimentary Retirement Plan & Investment Review, we'll help you:


  • Determine your plan's eligibility and available options
  • Review your current investments and allocation
  • Discuss how your workplace retirement account supports your broader retirement goals


There is no obligation to make a change.

What Happens Next

1. Schedule a Conversation

Start with a complimentary conversation about your workplace retirement account and your goals.


2. Review Your Plan's Options

We'll review your plan information, current investments, and the options available through your employer.


3. Discuss Next Steps

We'll discuss what we find and whether any available options make sense for your retirement strategy.

Frequently Asked Questions

  • How do I know if my employer’s plan qualifies?

    Some 401(k), 403(b), and 457 plans offer a self-directed brokerage account, also called a brokerage window. Availability depends on your employer’s specific plan. We can help you review your plan information to determine whether this option is available and whether the plan permits outside professional investment management. You do not need to know the answer before scheduling your complimentary review.

  • Will my retirement savings stay in my employer’s plan?

    Yes—when using a brokerage window within your existing plan, the assets remain part of that employer-sponsored retirement plan. You may move a portion of your balance from the plan’s standard investment menu into its brokerage option, subject to plan rules. This does not require an IRA rollover or withdrawal from the plan.

  • What does it cost?

    Your initial Retirement Plan & Investment Review is complimentary, with no obligation to make a change. The investment management cost is built into the expense ratios of the funds used in your SDBA, rather than charged as a separate advisory fee. Costs vary depending on the investment manager and funds selected. Your employer’s plan or brokerage provider may also charge account or transaction fees. We will review applicable costs with you before you decide whether to proceed.

  • What if my plan does not offer a brokerage window?

    A review can provide an opportunity to evaluate how your workplace retirement plan fits within your broader financial picture. We can discuss your current investment choices, contribution strategy, and how your workplace account fits with your other savings and retirement goals. Any ongoing services would depend on your plan’s rules and the scope of our engagement. There is no obligation to move assets or make a change.

Not sure what your plan offers? That’s a good place to start.

Complimentary Retirement Plan & Investment Review

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.


Asset allocations and diversification cannot guarantee profit or insure against a loss. There is no guarantee that any investment strategy will be successful; all investing involves risk, including the possible loss of principal.