HCM 401(k) Optimizer^®

This program offers assistance to working individuals who are seeking advice in choosing and allocating investments within their 401(k) or similar defined contribution plan.

Benefits of our professional portfolio advice:

1. Investment Recommendations – Based on the information you submit to us, we will provide a detailed report of recommendations personally designed for your particular investment goals. This report includes advice on which investments to choose to properly diversify your portfolio, as well as an asset allocation strategy.
2. Portfolio Updates – We have discovered that many people do not rebalance their portfolios simply because they are too busy, or they are not sure what to do. We can help. We continuously monitor your investments, and update you with recommendations at least annually. You are welcome to contact us anytime if you experience major changes in your goals, or have concerns about the performance of your portfolio.
3. Access to the HCM-BuyLine^® – It is difficult to watch your portfolio decrease in value when the market declines. For this reason, we developed the HCM-BuyLine^®, our unique proprietary indicator that sets us apart from other advisors. Here is how it works. When the market drops below the HCM-BuyLine^®, you will receive notification with advice on how to restructure your portfolio to protect your assets. Then, when the market moves back above the HCM-BuyLine^®, you will receive a second notification with advice on what to do next.
4. Membership is Simple and Affordable – With the HCM 401(k) Optimizer^®, you receive expert advice on a subscription basis. Membership is annual, and there is no long-term obligation.

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