Retirement Plan Resource - 401k Optimizer
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Congratulations. This may be the most beneficial 30 minutes that you can spend in terms of what your retirement plan provides for you and your family, for years into the future.
Stop. If you read no further, please read this: My name is David and I'm a co-founder of Resume-Resource. I've held onto a 401k for over ten years that I didn't believe I could easily change. It's sad and embarrassing now, knowing the growth in my retirement fund is a fraction of what it should have been. A "default" plan that I selected and trusted (took for granted) missed out on years of some of the best possible returns that I will never get back. This is my personal story and I sincerely hope that what I've put together here can help you!
Are you invested in funds based on year-end returns reported from 2019 or even earlier?
401k Optimizer (provided free today on Resume-Resource) is a system that imports ALL of the available investment options from your company/organization plan and compares them according to your preferences. As employees, we usually see tables of historic 1-year and 5-year returns, etc.. and then guess which plan might be the best. This dashboard accumulates CURRENT data and recommends funds tailored to your needs based on today looking forward. There is little doubt that a LOT has changed in the past year that makes these choices even more complex. You can take it or leave it. There is no cost or obligation to see what the system recommends, and you can make the changes yourself.
Here's an additional feature that you might like the most: Your investments are monitored with "stoploss" protection. Risk indicators trigger during times of high volatility to alert you when it may be beneficial to move your investments to cash or more conservative investments. Your default plan instead will "ride it out" and fall in a down market.
Please scroll down to the video to learn more about the 401k Optimzer System.
To Begin: Enroll your secure, online dashboard. Setup will take a few minutes. There is absolutely no cost or obligation. Follow the instructions above to get started.
In the next step you'll receive complete information on how to set up your dashboard. Be sure to check your email right away.
Watch the video below to see how this works!
Note: You must enter a promo code to gain access at no cost. Register above and we will immediately send complete instructions.
Regular plan price is $108.00 per year. This is the ONLY place you will gain access at no cost as an exclusive offer for Resume-Resource readers.
401(k) Optimizer® Disclosures:
HCM is registered with the SEC and only transacts business where it is properly registered or is otherwise exempt from registration. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the advisor has attained a particular level of skill or ability. The 401(k)
Optimizer® is a web-based tool intended to help clients invest in their employer’s 401(k) or similar defined contribution plan. Clients receive professional recommendations from the 401(k) Optimizer® and maintain total control over their personal accounts. The goal is to reduce risk
by taking proactive measures with company-sponsored retirement plans. Changes in investment strategies, contributions or withdrawals may materially alter the performance, strategy and results of your portfolio. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment (including the investments and/or investment strategies recommended by the advisors), will be equal to past performance level, equal any corresponding indicated historical performance level(s), be suitable for your portfolio or individual situation, or be profitable for a client’s portfolio. Past performance does not guarantee future results. All investment strategies have the potential for profit or loss. Economic factors, market conditions, and investment
strategies will affect the performance of any portfolio and there are no assurances that it will match or outperform any particular benchmark for measuring the performance of a portfolio.
Changes in investment strategies, contributions or withdrawals, and economic conditions may materially alter the performance of your portfolio. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for an investor’s portfolio. Account information has been compiled solely by Howard Capital Management and has not been independently verified. Historical performance results for investment indexes and/or categories have been provided for general comparison purposes only and generally do not reflect the deduction of transaction and/or custodial charges or the deduction of an investment-management fee, the incurrence of which would have the effect of decreasing historical performance
results. There are no assurances that a portfolio will match or outperform any particular benchmark.
HCM Indicator. The HCM-BuyLine® (the “Indicator”) is a proprietary indicator used to assist in determining when to buy and sell securities. When the Indicator identifies signs of a rising market, HCM then identifies the particular security(ies) that HCM believes have the best return potentials in the current market from the universe of assets available in each given model and signals to invest in them. When the Indicator identifies signs of a declining market, the Indicator signals to move clients’ investments to less risky alternatives. Not every signal generated by the Indicator will result in a profitable trade. There will be times when following the Indicator results in a loss. An important goal of the Indicator is to outperform the market on a long-term basis. The reason is the mathematics of gains and
losses. A portfolio which suffers a 30% loss takes a 43% gain to return to the previous portfolio value.
The Indicator is reactive in nature, not proactive. It is not designed to catch the first 5–10% of a bull or bear market. Ideally, it will avoid most of the downtrends and catch the bulk of the uptrends. There may be times when the use of the Indicator will result in a loss when HCM re-enters the market.
Other times there may be a modest positive impact. When severe downtrends occur, however, such as in 2000-2002 and 2007-2008, the Indicator has the potential to make a significant difference in portfolio performance. Naturally, there can be no guarantee that the Indicator will perform as anticipated. The Indicator does not generate stop-loss orders that automatically sell securities in the portfolio at a certain price. As a result, use of the Indicator will not necessarily limit your losses to the desired amounts due to the limitations of the Indicator, market conditions, and delays in executing orders.
All photos were used to enhance this website. None of them are photographs of current or former clients.
Howard Capital Management offers its investment methodology through multiple programs that may invest in exchange traded funds, variable annuities and mutual funds. There is no certainty that any investment or strategy (including the investments and/or investment strategies recommended by the advisor), will be profitable or successful in achieving investment objectives. Please work with your financial advisor to determine which investment program is consistent with your financial objectives and risk tolerance. The HCM Optimized Trend Indicator (“OTI”) is a tool developed by Howard Capital Management, Inc. (“Howard”), an SEC-registered* investment adviser, to help assist a subscriber to determine what portion, if any, of the subscriber’s company stock should be bought, sold or
held in the subscriber’s retirement portfolio as of a particular date. Subscriber maintains absolute discretion as to whether or not to follow the OTI. It remains the subscriber’s exclusive responsibility to review and evaluate the OTI and his/her company stock and to determine whether to accept or reject any recommendation and to correspondingly determine whether any OTI recommendation is appropriate for his/her financial situation, or investment objective. The subscriber acknowledges and understands that the OTI is an opinion only, based upon HCM’s judgment as of a particular date. That opinion could be wrong. In addition, due to various factors, including changing market conditions and/or applicable laws, the OTI may no longer be reflective of current opinions or positions. No
current or prospective subscriber should assume that investment in, or purchase and sale of, his/her company stock based upon the OTI will be profitable for his/her account. Individual equities such as the subscriber’s company stock are not diversified positions and may be subject to high levels of volatility and principal risk. Howard does not offer or provide investment implementation services, nor does it offer or provide initial or ongoing individual personalized OTI advice (neither in person nor via the Internet) to Optimizer subscribers. Howard will not have and will not accept any trading authority
for the subscriber’s account. Thus, it shall always remain the subscriber’s exclusive responsibility to review and evaluate the OTI and to determine whether to accept or reject any OTI recommendation.
If accepted, the subscriber maintains exclusive responsibility for the initial and ongoing implementation and monitoring of any such accepted recommendation.
Subscribers do not receive investment supervisory or investment management services from Howard. The OTI is not tailored to any particular subscriber’s individual’s risk parameters, financial situation, or investment objective(s). It is the subscriber’s exclusive responsibility to determine what portion of company stock, if any, is suitable for his/her financial situation and/or investment objectives, both initially and on an ongoing basis. No subscriber should assume that his/her subscription serves as a substitute for individual personalized investment supervisory and/or management services from an investment professional of the subscriber’s choosing regarding the ownership of the subscriber’s company stock in the subscriber’s retirement portfolio. In the event a subscriber desires that
Howard provide investment supervisory or investment management services, the subscriber may engage Howard to do so for a separate and additional fee. Please Remember: Past performance may not be indicative of future results. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will either be suitable or profitable for a subscriber or prospective subscriber’s investment portfolio. Therefore, no current or prospective subscriber should assume that investment in his company stock is appropriate for his/her financial situation or investment objective, or that the future performance of his/her company stock will be profitable or equal any specific performance level(s).
RELEASE: Each subscriber or prospective subscriber acknowledges and accepts the limitations of the OTI and agrees, as a condition precedent to his/her access to the OTI, to release and hold harmless Howard, its members, officers, directors, owners, employees, affiliates, and agents from any and all adverse consequences resulting from his/her/its use of OTI, including, but not limited to, investment losses resulting from the subscriber’s implementation of any of OTI recommendations.
Please remember to contact Howard Capital Management, in writing, if there are any changes in your personal/financial situation or investment objectives for the purpose of reviewing/evaluating/revising our previous recommendations and/or services, or if you want to impose, add, or modify any reasonable restrictions to our investment advisory services.
Please Note: Unless you advise, in writing, to the contrary, we will assume that there are no restrictions on our services, other than to manage the account in accordance with your designated investment objective. A copy of our current written disclosure Brochure discussing our advisory services and fees continues to remain available upon request. LASS.401K.FLY.BRO.100219 OPT-49 (06/2019)