HCM 401(k) Optimizer® Addresses the Number One Fear of RetireesDavid Macino
Macino Financial Services introduces HCM 401(k) Optimizer to help pre-retired and retired participants navigate investment options available in a company plan.
According to USA Today, the number one fear of retirees is outliving their savings; yet, while 61 million Americans participate in employer-sponsored retirement programs (401(k), 403(b), 457, thrift savings plans), the overwhelming majority have little reliable information on retirement investing.
HCM 401(k) Optimizer is designed to help participants implement an asset allocation strategy based on their specific tolerance for risk and the available investments under their 401(k), 403(b) or other defined contribution plan. The HCM 401(k) Optimizer produces a personalized asset allocation model customer report specifically telling the participant which funds to invest in and the recommended percentage to invest.
Although the process is simple, the underlying analysis is highly advanced. This powerful system is mechanical, non-emotional, and repeatable, analyzing:
- Asset categories
- Fund managers
- Fund performance
- Asset turnover
- Current conditions of market sectors
Once the HCM 401(k) Optimizer’s initial Risk Tolerance Questionnaire has been completed, the user receives quarterly updates with recommendations on how to adjust to changing market conditions. The 401(k) Optimizer also has a feature that provides participants with buy/sell recommendations.
The process is simple:
- Enter your information in the online sign up form at https://www.macinofinancial.com/401k-optimizer
- Answer the Risk Tolerance Questionnaire
- Receive an email from us telling you your recommendations are ready
- Log in to the 401(k) Optimizer to view your recommendations
For a HCM 401(k) Optimizer demo or to request a Risk Tolerance Questionnaire, contact the retirement specialists at Macino Financial Services at 419.491.0909.