Contact us
Let's Take a Look at Your 401(k)
No cost, no obligation. Just a clear picture of where things stand and whether professional management makes sense for you.
Contact us
Let's Take a Look at Your 401(k)
No cost, no obligation. Just a clear picture of where things stand and whether professional management makes sense for you.
Book a free review
Take the first step without changing your plan.
Use the form or send an email to schedule a no cost, no obligation phone consultation. We will review your 401K plan, learn more about your financial and retirement goals, and walk you through what professional management would look like for your 401K
Email: [email protected]
Book a free review
Take the first step without changing your plan.
Use the form or send an email to schedule a no cost, no obligation phone consultation. We will review your 401K plan, learn more about your financial and retirement goals, and walk you through what professional management would look like for your 401K
Email: [email protected]
About us
Meet the Team Behind 401K Pilot
401K Pilot is a service of Gateway Capital Management, an Investment Advisory Representative firm under Balboa Wealth Partners. As an SEC – Registered Investment Advisory firm, Balboa Wealth Partners is built on the fiduciary standard, meaning your adviser is legally obligated to act in your best interest and disclose any conflicts of interest
U.S.-based, a licensed Fiduciary Financial Advisor
Transparent, published annual fee. No commissions
Your account, your contributions, your control — always
Joshua Bliss
Founder
Joshua has spent more than 20 years in wealth management, starting his career at a top California estate planning firm before going on to lead a team of financial advisers across California and later working with both Merrill Lynch and Wells Fargo Advisors, where he managed well over $100 million in client assets.
In 2019, Joshua set out on his own to build something different: an advisory practice built around transparent, lower-cost fees, portfolios tailored to each client rather than a one-size-fits-all model, and the kind of personal attention that gets lost at larger firms. That practice became Gateway Capital Management, and it's the same fiduciary standard that stands behind every 401K Pilot client today.
Joshua holds a B.S. from the University of Arizona and a master's degree from San Diego State University. He's lived in the greater Phoenix area for nearly two decades, where he and his wife are raising two daughters. When he's not reviewing portfolios, he's usually training for his next climb — his summits include Mount Kilimanjaro, Mount Aconcagua, and Mount Rainier, along with an Everest Base Camp trek. He's also an active volunteer with his church's community outreach programs in Scottsdale, supporting local families through Adopt-A-Family and St. Vincent de Paul.
About us
Meet the Team Behind 401K Pilot
401K Pilot is a service of Gateway Capital Management, an Investment Advisory Representative firm under Balboa Wealth Partners. As an SEC – Registered Investment Advisory firm, Balboa Wealth Partners is built on the fiduciary standard, meaning your adviser is legally obligated to act in your best interest and disclose any conflicts of interest
U.S.-based, a licensed Fiduciary Financial Advisor
Transparent, published annual fee. No commissions
Your account, your contributions, your control — always
Joshua Bliss
Founder
Joshua has spent more than 20 years in wealth management, starting his career at a top California estate planning firm before going on to lead a team of financial advisers across California and later working with both Merrill Lynch and Wells Fargo Advisors, where he managed well over $100 million in client assets.
In 2019, Joshua set out on his own to build something different: an advisory practice built around transparent, lower-cost fees, portfolios tailored to each client rather than a one-size-fits-all model, and the kind of personal attention that gets lost at larger firms. That practice became Gateway Capital Management, and it's the same fiduciary standard that stands behind every 401K Pilot client today.
Joshua holds a B.S. from the University of Arizona and a master's degree from San Diego State University. He's lived in the greater Phoenix area for nearly two decades, where he and his wife are raising two daughters. When he's not reviewing portfolios, he's usually training for his next climb — his summits include Mount Kilimanjaro, Mount Aconcagua, and Mount Rainier, along with an Everest Base Camp trek. He's also an active volunteer with his church's community outreach programs in Scottsdale, supporting local families through Adopt-A-Family and St. Vincent de Paul.
Why We Built 401K Pilot
Most people spend more time picking a Netflix show than reviewing their 401(k), not because they don't care about retirement, but because nobody ever showed them there was another option besides "set it and forget it."
The goal of 401K Pilot is to close that gap: giving employees access to the same kind of active, fiduciary management that's traditionally been reserved for larger outside accounts, without ever asking them to leave the plan their employer already offers.
Fiduciary Disclosure
Gateway Capital Management (operating through Balboa Wealth Partners) is a registered investment adviser. Registration does not imply a certain level of skill or training. 401K Pilot does not guarantee investment results, and not all employer sponsored plans offer the self directed brokerage option required for this service. 401K Pilot does not provide tax, legal, or insurance advice. Consult the appropriate licensed professional for guidance specific to your situation.
Have a Question Before You Reach Out?
Visit our Services page for a full breakdown of how 401K Pilot works, what it costs, and answers to the questions we hear most.
401K Pilot is a service of Gateway Capital Management, a DBA of Balboa Wealth Partners, a registered investment advisor. Balboa Wealth provides investment advisory and related services for clients nationally. Balboa Wealth will maintain all applicable registrations and licenses required by the various states in which it conducts business. For additional information, please visit our website at www.balboawealth.com
Studies have shown that accounts managed with professional guidance have the potential to deliver higher returns on an annual basis
This range comes from the conclusions of multiple studies:
Vanguard released the whitepaper “Putting a value on your value: Quantifying Vanguard Advisor’s Alpha” in July 2022. Based on several factors, the whitepaper concludes that “advisors can potentially add up to, or even exceed, 3% in net returns” on an annual basis. The largest contributing factors they identified were behavioral coaching (up to 2+% alpha), spending strategy (up to 1.2% alpha), asset location (up to 60 basis points), cost-effective implementation (expense ratios; 30 basis points), and rebalancing (14 basis points). When combined with other value-adds, the whitepaper concludes that the effect is likely to exceed 3% of annual additional gains, net of fees.
In their 2024 Value of an Advisor paper (available upon request - contact us), Russell Investments concludes that “the value of an advisor in the U.S. is approximately 5%” on an annual basis. The paper indicates that the contributing factors were behavioral coaching (2.82%), customization and holistic wealth management (1.13%), tax-smart planning and investing (0.94%), and rebalancing (11 basis points). Subtracting a general fee basis of 1% results in 4% alpha annually, net of fees.
Industry studies show that professionally managed 401(K)s on average earn 3.32% more than participant managed according to the “Help in Defined Contribution Plans” report conducted by AON Hewitt. The Link: “Help in Defined Contribution Plans” should take the user to the attached report to this email: Help in Defined Contribution Plans: 2006 through 2012
BRAND
QUICK LINKS
REGULATORY