Will you have enough money to retire? The 401(k) Optimizer® helps you customize your 401(k), 403(b) and 457 Retirement Accounts

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The 401(k) Optimizer® is the Smart (and Easy!) Way to Manage Your Retirement Account

Optimize Your Retirement Investments

Tactically select investments that seek growth and match your goals.

Help Protect Your Investments

Gain access to our proprietary downside protection to help mitigate volatility.

Personalized Portfolio Advice

Receive quarterly updates with instructions on how to adjust and rebalance your portfolio.

What it does

Easily manage your retirement portfolio.

No more set it and forget it. Our system tells you what investments to buy, when to buy them and when to sell them, in an attempt to optimize returns in your retirement plan.

Based on your risk tolerance and long-term goals, the 401(k) Optimizer® analyzes your plan's investments, then helps you select and diversify the best options inside your plan.

Let's Invest

How it works

Make educated and informed decisions with confidence. No emotions. No guesswork.

Our technology is non-emotional and mathematically designed to analyze the health of the market on a daily basis. Easily track how your portfolio is performing and make adjustments when our system notifies you.

Utilize our Optimized Trend Indicator® to determine if any single stock is right for you in your portfolio.

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Downside protection

Strive to keep your investments on the safe side of the market.

We overlay your investments with signature stoploss protection called the HCM-BuyLine®, a mathematical indicator designed to calculate trends in the market.

This tool helps the 401(k) Optimizer® manage risk by indicating when it's time for you to move your investments to cash or less risky investments.

Don't let the fear of a market downturn hold you back.

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Easy navigation

Track and adjust your investments all in one place.

Our dashboard is easy to navigate and allows you to see a detailed picture of your portfolio's holdings and your personalized recommendations. Track stocks, update your profile, and contact your financial advisor all in one place.

Optimize My Plan

401(k) Optimizer®

Sit Back and Let the 401(k) Optimizer® Help You Reach Your Goals.

Save smart. Invest smart. Retire happy.

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Individual Investors

Optimize my company-sponsored retirement plan.

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Financial Advisors

Help my clients optimize their company-sponsored retirement plan.

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Plan Sponsors

Offer my employees the 401(k) Optimizer®.

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Make Better Stock Option Decisions with the Optimized Trend Indicator® (OTI)

The Optimized Trend Indicator® (OTI) offers buy and sell signals on any single stock in the current market. This tool can help you decide if and how much of your publicly traded company’s stock you should hold in your retirement account.

Simply enter a ticker symbol of your choice to view its performance.

Stoploss protection with the HCM-BuyLine®

The HCM-BuyLine® is an emotionless, mathematical process driven by market ratios. The 401(k) Optimizer® use the HCM-BuyLine® to determine when to be in the market and when to be out of the market. This approach helps take the guesswork out of investment decisions in an effort to keep client portfolios on the safe side of the market.

Sign up today to add stoploss protection to your portfolio.