Making the Most of Your 401(k) by Using Your Own Adviser

Don’t want to rely on your employer’s investment choices? A self-directed 401(k) account could help you maximize your retirement savings, and working with a professional adviser could give you the personalized attention you need.

One yellow rubber duckie swims out of a row of others.
(Image credit: Getty Images)

We have ended up in a world where employees have to find ways to manage their own funds for retirement, at their own risk. Fortunately, many plans have begun to offer an option called a self-directed brokerage account (SDBA). Some plans even allow you to hire your own adviser to manage your account. And, with the help of a professional adviser, you can put yourself in an ideal position to optimize your retirement plan and meet your overall financial goals.

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This article was written by and presents the views of our contributing adviser, not the Kiplinger editorial staff. You can check adviser records with the SEC or with FINRA.

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Renée Pastor, AIF®
Founder, Wealth Manager, The Pastor Financial Group

Renée Pastor is Founder & Wealth Manager at The Pastor Financial Group, a comprehensive financial planning and wealth management practice headquartered in New Orleans. The firm specializes in retirement planning and 401(k) management for families and individuals nationwide. To learn more, please visit