New 401(k) Optimizer® Guided Retirement Service Offers Access to Active Investment Management for Company Sponsored Retirement Plans

Issued by: Howard Capital Management, Inc.

Date: Feb. 9, 2021

ATLANTA -- Howard Capital Management, Inc. (HCM), a SEC-registered investment advisory firm, is proud to announce the company’s launch of the 401(k) Optimizer® Guided Retirement, a managed account solution designed for plan providers and their participants to receive a personalized investment strategy and downside risk management within 401ks plans, or other related, company-sponsored retirement plans.

Two tools power the 401(k) Optimizer® Guided Retirement system: the 401(k) Optimizer® and the HCM-BuyLine®. Combined, the system offers 25+ years’ experience in math-based, professional management that helps analyze investment decisions. 

“We believe this tool is a great solution for retirement plan providers and their participants to not only receive a personalized investment strategy for their retirement plan, but also overlay their accounts with our stoploss indicator, the HCM-BuyLine®, to potentially side-step major market downturns,” said Vance Howard, CEO and portfolio manager of Howard Capital Management.

“The 401(k) Optimizer® Guided Retirement tool is designed to offer these investors a combination of market intelligence, managed account solutions and technological transparency to help them grow and maximize long-term returns,” he said.

The ‘Guided Retirement’ technology generates personalized recommendations by analyzing the funds available in the participant’s company plan, and the individual’s risk tolerance level and goals‚—to mathematically present the most suitable portfolio allocations. Recommendations are then delivered to their company’s account to be implemented and traded on their behalf.

What separates this system from others is the use of Howard Capital Management’s proprietary stoploss indicator, the HCM-BuyLine®—a quantitative process designed to remove emotions from the investing process.

“We aim to remove emotion from the investing process, said Mr. Howard. “Trading with emotion, in our opinion, can be damaging to long-term returns,” he said.

The 401(k) Optimizer® Guided Retirement system monitors registered accounts 365 days a year and is designed to potentially rebalance up to four times a year—and/or in the event the HCM-BuyLine® has a major sell or buy signal (dependent on the plans limitations).

“We understand investment decisions can be overwhelming for plan participants,” said Mr. Howard,”and we aim to bridge the gap between the investment choices provided and maximized investment returns.”

The tool can be accessed by plan participants through their company plan provider. To learn more about the 401(k) Optimizer® Guided Retirement, please email us at info@401koptimizer.com or call 800-314-0150.

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