Self-Directed Brokerage Accounts (SDBA)

Take more control of a portion of your retirement plan with an SDBA brokerage window—while keeping the rest in your 401(k)/457 core lineup.

Get a Financial Advisor Through the Self-Directed Brokerage Account Option

Many Americans have a retirement plan through their employer, but most don’t receive any financial guidance beyond enrollment. Given something as important as your retirement savings, you’d think this wouldn’t be the case.

But it is.

Was the last time you met with a financial advisor the day you started your current job? How many years ago was that? If you don’t know your estimated retirement date, you may be making paycheck deductions without direction—risking whether you can retire on time.

The good news: you may be able to get ongoing guidance through the Self-Directed Brokerage Account (SDBA) option in your employer’s plan. A financial advisor can help with portfolio choices and the rest of your financial life—cash flow, debt, insurance, college, retirement timeline, and more.

Get the most out of your retirement

More choice – More flexibility – Access to managed portfolios

Working with a local advisor may be helpful in planning a retirement strategy.

  • Employees are almost twice as confident in making investment decisions if they have help from a financial professional than if they decided this on their own.1
  • 67% would like personalized investment advice for their 401(k). 40% don't feel like they know what their best investment options are and 30% feel a lot of stress about choosing their 401(k) investments.1
  • Employees who sought investment advice through their 401(k) plan enjoyed a median annual return over 3% higher than those who didn't—even after the fees they paid for this advice.2
  • With professional advice, 60% of participants increase their projected ten-year retirement wealth by an average of 30%, net of fees.3
  • 40% of employees made an active savings decision at the time they adopted managed account advice and 30% earned value through a reduction in portfolio risk.3
Contact Us with Questions

Not sure where to start? Ask your HR department if your company offers the SDBA option—we’re happy to answer any follow-up questions.

Important information: Investing in any securities involves a risk of loss. This piece was prepared by the Pacific Financial Group Inc. Investment Advisor Representatives (IARs) using this brochure are registered and offer securities and advisory services through their respective Broker/Dealers and/or Investment Advisory firms.

Working with an investment advisor may accrue additional or higher fees, however performance is always stated net of all costs and fees. Other planning services offered through your investment advisor (such as college planning or financial planning) may also be available and may have an additional cost. Your funds are always invested in 100 percent liquid vehicles however purchases and sales may require a settlement period of 1 to 3 days.

Sources:
1 – Source: 2015 401(k) Participant Survey conducted by Schwab Retirement Plan Services, Inc. Respondents participated in the study between May 26 and June 3, 2015.
2 – Source: According to the study of 14 large retirement plans with more than 723,000 individual participants and over 55 billion in assets, by Aon Hewitt, a consulting firm, and Financial Engines, an investment advisory firm, between 2006–2012. Published May 2014.
3 – Source: The Value of Managed Account Advice, Vanguard research, August 2015.