Assisting Your Employees
Many of your employees may need help with their 401(k), 403(b) or other company sponsored retirement plans and are not quite sure where to begin. The HCM 401(k)Optimizer® was developed to provide answers to questions like, “What investments should I choose?” , “How much should I allocate to each investment?”, or more importantly, “How do I manage my account?”
Fiduciary Responsibilities
Howard Capital Management, Inc. (Howard CM) is an SEC Registered Investment Advisor with 10+ year proven track record. We are an experienced firm, committed to helping you meet your fiduciary duties by delivering what we believe to be a quality program comprised of professional advice directed toward individual needs.
A Better Way to Invest
The scenario often occurs like this. A 401(k) investor will choose some investments often through guesswork or perhaps incomplete information. Once the investments are made, the tendency is then to “set it and forget it‘. We believe our proprietary HCM 401(k)Optimizer® can help investors change these “unfavorable tendencies” when it comes to investing.
The Optimizer Experience – Brief Overview
The process is simple . A subscriber creates an online Optimizer account with a user name and password. We analyze the available fund choices in their company sponsored retirement plan, then make recommendations based on the subscriber’s risk tolerance and time horizon. These recommendations are posted securely online and can be viewed by the subscriber anytime.