401(k) Review and Strategy Consultation

Planning for your retirement can feel overwhelming, especially when it comes to understanding your 401(k). Between investment menus that are difficult to navigate, fees that aren’t always obvious, and the constant “am I doing this right?” feeling, it’s easy to put it off. That’s why Holistic Wealth Planning™ offers complimentary 401(k) reviews designed to give you a clearer picture of what you have, how it’s set up, and what options you may want to consider next.

We can walk through things like your current contribution rate, employer match, fund lineup, overall risk level, and how your 401(k) fits with the rest of your plan, not as a standalone account.

If you’ve got old plans sitting with prior employers, we’ll also talk through common paths like leaving it in place, moving it to a new plan, or exploring a rollover. Each option has a benefit. We’ll help you decide what is going to best meet your needs.

Contact us today to learn more.

Contact Us

Why You Need a 401(k) Review

Most individuals don’t fully understand the investment options inside their 401(k), or whether what they picked years ago still lines up with where they’re headed now. A lot of plans are packed with similar-sounding funds, target-date choices, and “model portfolios” that feel like they should be set-it-and-forget-it. But life changes. Timelines shifts. Markets move. Even your comfort level can change after a choppy year.

If you’re not reviewing things periodically, it’s easy to drift into a mix that’s either taking more risk than you meant to, or playing it so conservatively that growth has a hard time keeping up with the job it needs to do.

And it’s not just the investments. Over time, your contribution rate, employer match strategy, and the way your 401(k) fits with other accounts can quietly become outdated. You could be missing chances to rebalance, refine your allocation, or adjust how you are saving as income rises, kids head to college, or retirement gets closer and feels more real. With our 401(k) strategy, we look at your plan in context and make updates that align your financial objectives with current market conditions.

Should You Roll Over a Prior 401(k)?

If you have an old 401(k) from a previous job, you may be wondering whether to roll it into your new employer's plan. As an independent advisor, Holistic Wealth Planning™ offers 401(k) rollover guidance with more flexibility than employer-sponsored plans.
We typically recommend rolling over prior 401(k) accounts into an IRA, which gives you access to a broader range of investment options.

IRAs Provide:

Greater Investment Flexibility: Access to diverse investment vehicles beyond your 401(k)'s limited options.
Simplified Management: Keep your retirement savings in one place with experienced oversight and personalized strategy.
Customized Advice: Align your rollover strategy with your unique retirement goals.

Benefits of 401(k) Management with Holistic Wealth Planning™

A 401(k) can be a powerful tool, but it’s not the kind of account you want to set up once and never revisit. The fund lineup changes, markets move, and your goals don’t stay the same forever.

Our approach to 401(k) management at Holistic Wealth Planning™ is meant to keep things clear, practical, and aligned with what you’re actually trying to do with your retirement savings. Here’s what that can look like in real life:

Independent, Unbiased Advice: We’re not tied to specific funds or providers, so our recommendations are always in your best interest.
Regular Portfolio Reviews: Your plan is assessed every six months to confirm it remains on track.
Tailored Investment Strategy: We build your 401(k) strategy to be aligned with your evolving financial goals.

Frequently Asked Questions

How long does a typical 401k review take?

Most comprehensive reviews are completed within 45-60 minutes, depending on the complexity of the employee's existing retirement accounts.

How often should I have my 401(k) reviewed?

We recommend reviewing your 401(k) every six months. Small adjustments made over time can lead to significant gains and provide enough flexibility to evolve with market changes.

Can I roll over a prior 401(k) into my current plan?

While it's possible to roll over old 401(k) accounts into a new one, we often recommend rolling them into an IRA for better investment flexibility. This gives you access to a wider range of investment options and personalized management.

Can I make changes to my 401(k) after the review?

Absolutely! We provide personalized recommendations, and on average, we suggest two changes every five years to keep your portfolio optimized.

Holistic Wealth Planning^{^®}