When to buy. What to buy. When to sell.

The smart (and easy!) way to manage your retirement plan.

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>> What you get when you sign up for the HCM 401(k) Optimizer

For starters, you'll enjoy peace of mind with our 30-day Money Back Guarantee!

Our System Analyzes the Choices in
Your Employer's Plan.

Your Fund Choices

Managing your own retirement investments can be tough. And the wrong choices could lead to less money at retirement. We give you direct, personalized advice so you can feel confident about your financial future.

You Receive a Detailed
Report From Us.

Recommended Funds

Taking your age and comfort level with risk into account, the HCM 401(k) Optimizer recommends which investment options you should choose – and how much you should allocate to each.

Backed By Sophisticated

Sophisticated Analysis

Although the HCM 401(k) Optimizer is simple to use, the underlying analysis is highly advanced. It's like having your very own personal investment advisor. And it's on the job 24 hours a day, 365 days a year.

Know What to do During
Market Ups & Downs

Know what to do during market ups and downs

No more worrying about your investments! When the market drops below the HCM-BuyLine®, you'll get clear advice on how to restructure your portfolio in an attempt to protect your assets. You'll also get advice on what to do when the market goes back up.

Identity Theft Protection
from LifeLock®

Identity Theft Protection from LifeLock

When you sign up for the HCM 401(k) Optimizer, you can receive standard identity theft protection services from LifeLock® at no additional cost.

Make Better Stock
Option Decisions

Make Better Stock Option Decisions

The 401(k) Optimizer can also help you identify trends in the performance of any single stock. It's a great resource for making decisions about company stock options!