Investment and 401(k) Evaluation: Planning for Your Financial Future
Developing an investment strategy that considers a multitude of factors—including but not limited to risk analysis, tax efficiency, diversification, and long-term growth—is at the core of what we do. Whether you’re an individual managing your retirement savings, building a diversified investment portfolio, or a business owner overseeing a corporate retirement plan, comprehensive investment and 401(k) planning play a critical role in your financial future.
At Paladin Retirement Advisors, we provide guidance to help align both your retirement savings and your broader investment portfolio with your long-term goals.
Paladin Retirement Advisors delivers customized strategies to help individuals and businesses maximize the benefits of their investments and 401(k) plans. Here’s how we support you:
Comprehensive Portfolio Management
In addition to our 401(k) expertise, we offer personalized portfolio management services. We work with you to design, implement, and monitor a diversified investment strategy tailored to your risk tolerance, time horizon, and financial objectives. We integrate your 401(k) with your other investment accounts for a cohesive, holistic wealth management experience.
401(k) and Rollover Analysis
If you’re transitioning between jobs, deciding what to do with your 401(k) is a critical decision. We help you evaluate your options—including rollovers—while clarifying tax implications and potential penalties so you can make informed choices.
The Benefits of 401(k) Evaluation: Considerations for Individuals
Maximize Contributions
Take full advantage of employer matching programs to boost your retirement savings without extra out-of-pocket costs.
Diversify Investments
Balance risk and reward by spreading your portfolio across stocks, bonds, mutual funds, and more.
Lower Fees
Choose plans or IRAs with transparent, competitive fees to help preserve more of your savings over time.
Holistic Strategy
Coordinate your 401(k) and other investment accounts for a unified
approach to wealth building.
approach to wealth building.
When managing or rolling over a 401(k), consider:
Fees
Compare administrative costs between IRAs and workplace plans to determine the most cost-effective option.
Investment Choices
IRAs may offer greater flexibility, while employer plans might provide unique benefits. Businesses should prioritize a diverse range of investment options for employees.
Tax Implications
Understand the differences between traditional and Roth contributions and rollovers, and how each affects your future distributions.
Common Pitfalls to Avoid
Cashing Out Your 401(k)
Cashing out can trigger hefty penalties and taxes, quickly diminishing your savings. Explore rollover options to maintain your account’s tax-deferred status.
Missing Out on Employer Matches
Not contributing enough to receive your full employer match means leaving free money behind—an easily avoidable mistake that can impact your long-term savings.
The Paladin Difference
Personalized Strategies
Every client receives recommendations tailored to their unique financial situation and goals.
Holistic Approach
We customize investment portfolios to reflect your individual needs and goals, which are integrated into your overall unique plan.
Fiduciary Duty
As fiduciaries, we are dedicated to acting in your best interest—always.
Ready to Make the Leap?
Take Control of Your Financial Future
Consider working toward preserving your legacy by creating a legacy plan that helps shield your family and honors your wishes.
Disclosure
All content is for information purposes only. It is not intended to provide any tax or legal advice or provide the basis for any financial decisions. Nor is it intended to be a projection of current or future performance or indication or future results. Opinions expressed herein are solely those of JSBJ Enterprises, Inc. dba Paladin Retirement Advisors and our editorial staff.
The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation. Advisory services are offered by JSBJ Enterprises, Inc. dba Paladin Retirement Advisors an Investment Advisor in the State of Pennsylvania. Being registered as an investment adviser does not imply a certain level of skill or training. Insurance products and services are offered through Jeffrey Beyer, Sole Proprietor. The information contained herein should in no way be construed or interpreted as a solicitation to sell or offer to sell advisory services to any residents of any State other than the State of Pennsylvania or where otherwise legally permitted.
The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation. Advisory services are offered by JSBJ Enterprises, Inc. dba Paladin Retirement Advisors an Investment Advisor in the State of Pennsylvania. Being registered as an investment adviser does not imply a certain level of skill or training. Insurance products and services are offered through Jeffrey Beyer, Sole Proprietor. The information contained herein should in no way be construed or interpreted as a solicitation to sell or offer to sell advisory services to any residents of any State other than the State of Pennsylvania or where otherwise legally permitted.