Alpine Financial Partners

(505) 500-8420

We all have different ideas about what a successful retirement looks like… and how much risk we’re willing to take in order to reach our financial goals.
Let’s face it. Your company retirement plan may be your biggest investable asset. As market conditions and your personal circumstances change, you want a plan designed to minimize risk as much as possible… and also be ready to respond quickly to any market opportunities.

At Alpine Financial Partners, we’d like to tell you about a way to tailor your company retirement plan to more closely address your individual investing needs. It’s called a Self-Directed Brokerage account and is offered by more than 40% of employers as part of their 401(K), 403(b) or 457 plans.

This is not a rollover. It’s more like adding an addition to your home that is your 401(k). You allow us to create a “brokerage window” with our partner, The Pacific Financial Group, allowing a portion of your core retirement funds to be used to purchase a wider range of investments. This not only increases the diversification and allocation of your portfolio, but you get institutional level asset management and an investment advisor to help you with decision-making.

Whether you’re just beginning to plan for retirement or ready to retire soon, adding this additional measure of flexibility to your company plan could help you keep more of your hard-earned money for retirement.

To learn more about Self Directed Brokerage accounts, call us for a no-obligation consultation today.

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LEARN MORE ABOUT: Retirement Planning

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Self-Directed Brokerage Account Management (SDBA) refers to a type of investment account that allows individuals to have more control over their investments. With an SDBA, investors have the flexibility to choose from a wide range of investment options, including stocks, bonds, mutual funds, and exchange-traded funds (ETFs).

One of the key advantages of an SDBA is the ability to customize and diversify one’s investment portfolio. Unlike traditional brokerages, which often offer a limited selection of investment options, SDBAs provide access to an extensive array of investments across different asset classes and sectors. This enables investors to tailor their portfolio to their specific investment goals and risk tolerance.

Furthermore, SDBAs allow investors to take advantage of their own investment knowledge and expertise. Instead of relying solely on the recommendations and decisions of a financial advisor, individuals can conduct their own research and make investment decisions based on their own analysis. This level of autonomy can be empowering for those who are confident in their abilities and prefer a more hands-on approach to managing their investments.

Another benefit of SDBAs is the potential for lower costs compared to traditional brokerage accounts. Many SDBAs offer a fee structure that encourages self-directed investments. This can be particularly advantageous for active traders or individuals who prefer to maintain a diversified portfolio with investments across various asset classes. By eliminating or reducing commissions and other transaction-related fees, investors can potentially enhance their investment returns.

However, it is crucial to note that the increased control and freedom of SDBAs come with added responsibility. Investors must have a solid understanding of the different investment options and be willing to devote time and effort into conducting comprehensive research. They should also be prepared to monitor their investments regularly and make adjustments as necessary.

Additionally, individuals considering an SDBA should be aware of the potential risks involved. The stock market can be volatile, and investments are subject to market fluctuations. Investors may experience losses, especially when making investment decisions without the guidance of a financial advisor. Therefore, it is essential to have a solid understanding of investment principles, risk management, and diversification strategies.

To open an SDBA, individuals typically need to have an existing retirement account, such as a 401(k) or IRA. Many employers offer SDBAs as part of their retirement plans, allowing employees to take advantage of this investment option seamlessly. However, it is crucial to check with your employer or retirement plan provider to determine if SDBAs are available.

In conclusion, Self-Directed Brokerage Account Management (SDBA) provides investors with greater control and flexibility over their investment portfolios. It allows individuals to choose from a wide range of investment options, diversify their holdings, and potentially reduce costs compared to traditional brokerage accounts. While SDBAs offer many advantages for those who are knowledgeable and comfortable with managing their investments, it is essential to consider the risks associated with self-directed investing.