Your 401(k) Has Been on Autopilot Long Enough.
401K Pilot puts a Fiduciary Financial Advisor in the cockpit of your existing 401(k) - professionally managing your 401K fund selections without any rollovers, transfers, or disruption to your plan. In addition to 401Ks, we work with most employer-sponsored retirement accounts.
Your 401(k) Has Been on Autopilot Long Enough.
401K Pilot puts a Fiduciary Financial Advisor in the cockpit of your existing 401(k) - professionally managing your 401K fund selections without any rollovers, transfers, or disruption to your plan. In addition to 401Ks, we work with most employer-sponsored retirement accounts.
The problem
Most People Set Their 401(k) Once and Never Touch It Again
When you enrolled in your employer’s retirement plan, you likely selected your investments, checked a box, and moved on. For many participants, that’s where the decision-making ends, even as their income, financial goals, risk tolerance, and market conditions continue to change.
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 choice besides the "set it and forget it" option.
But a 401(k) shouldn’t be left on autopilot. Contributions may continue to flow in year after year, while the investment strategy behind them remains unchanged and potentially becomes increasingly disconnected from your goals.
401K Pilot’s goal 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.
The problem
Most People Set Their 401(k) Once and Never Touch It Again
When you enrolled in your employer’s retirement plan, you likely selected your investments, checked a box, and moved on. For many participants, that’s where the decision-making ends, even as their income, financial goals, risk tolerance, and market conditions continue to change.
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 choice besides the "set it and forget it" option.
But a 401(k) shouldn’t be left on autopilot. Contributions may continue to flow in year after year, while the investment strategy behind them remains unchanged and potentially becomes increasingly disconnected from your goals.
401K Pilot’s goal 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.
Is Your 401K Safe?
Professional 401k Management without leaving your employer’s plan.
401K Pilot doesn't ask you to leave your employer's plan or roll your balance into a new account. Instead, we portal directly through to your 401K custodian and actively manage the investments already sitting inside your 401(k).
You continue contributing to your 401(k) just as you always have and keep every dollar of your employer match. The difference is that your investment options are now professionally managed—adjusting to changing market and economic conditions while keeping your portfolio aligned with your goals and risk profile. We work with most employer-sponsored retirement accounts including 401(k)s, 401(a)s, 403(b)s, 457s, TSPs, and 529s.
See the difference
Professional Management.
Same Plan. Same
Employer.
401K Pilot doesn't ask you to leave your employer's plan or roll your balance into a new account. Instead, we portal directly through to your 401K custodian and actively manage the investments already sitting inside your 401(k).
You continue contributing to your 401(k) just as you always have and keep every dollar of your employer match. The difference is that your investment options are now professionally managed—adjusting to changing market and economic conditions while keeping your portfolio aligned with your goals and risk profile. We work with most employer-sponsored retirement accounts including 401(k)s, 401(a)s, 403(b)s, 457s, TSPs, and 529s.
Four reasons why people utilize 401K Pilot
01
A dedicated fiduciary, not a target-date fund.
The year that you expect to retire is not an investment strategy. Target-date funds adjust on a preset schedule based on your age alone. Your dedicated 401K Pilot’s professional financial advisor will adjust your investments based on market conditions, your goals, and your full financial picture.
02
Active oversight, not a "set it and forget it" default.
Your financial life is constantly changing, your investment strategy should be capable of changing with it. Your account gets monitored and rebalanced on an ongoing basis instead of sitting untouched between enrollment and retirement.
03
Grow your retirement account faster with expert guidance
Studies have shown that accounts managed with professional guidance have the potential to deliver higher returns on an annual basis. Disclosure
.
04
No added complexity and security you can trust
We are not moving your 401K; we are changing how it is managed. Because your 401K account remains intact, there's no new paperwork and no disruption to your paycheck deductions. As a third-party Fiduciary manager of your 401K, we can only make changes to your investment allocation and never take custody of your money. You always maintain the ultimate control of your 401K account and can terminate the arrangement at any time.
Four reasons why people utilize 401K Pilot
01
A dedicated fiduciary, not a target-date fund.
The year that you expect to retire is not an investment strategy. Target-date funds adjust on a preset schedule based on your age alone. Your dedicated 401K Pilot’s professional financial advisor will adjust your investments based on market conditions, your goals, and your full financial picture.
02
Active oversight, not a "set it and forget it" default.
Your financial life is constantly changing, your investment strategy should be capable of changing with it. Your account gets monitored and rebalanced on an ongoing basis instead of sitting untouched between enrollment and retirement.
03
Grow your retirement account faster with expert guidance
Studies have shown that accounts managed with professional guidance have the potential to deliver higher returns on an annual basis
04
No added complexity and security you can trust
We are not moving your 401K; we are changing how it is managed. Because your 401K account remains intact, there's no new paperwork and no disruption to your paycheck deductions. As a third-party Fiduciary manager of your 401K, we can only make changes to your investment allocation and never take custody of your money. You always maintain the ultimate control of your 401K account and can terminate the arrangement at any time.
How it works
Three Steps to a Better-Managed 401(k)
We check your flight plan. If your 401K plan balance (or combined 401K balance) is at least $250,000, contact us here for a no cost and no obligation consultation with a Fiduciary Financial Advisor.
We map your options. During our introductory call, 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. No jargon, no pressure, no obligation
You decide if it's the right fit. If it makes sense for your goals, we handle the setup within your existing plan and walk you through the two step, 15-minute process to establish the portal connection to your 401K plan
How it works
Three Steps to a Better-Managed 401(k)
We check your flight plan. If your 401K plan balance (or combined 401K balance) is at least $250,000, contact us here for a no cost and no obligation consultation with a Fiduciary Financial Advisor.
We map your options. During our introductory call, 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. No jargon, no pressure, no obligation
You decide if it's the right fit. If it makes sense for your goals, we handle the setup within your existing plan and walk you through the two step, 15-minute process to establish the portal connection to your 401K plan
Who This Is For
401K Pilot works with employees who have at least a $250,000 balance in their retirement plan (or combined balance among multiple plans). We work with most employer-sponsored retirement accounts including 401(k)s, 401(a)s, 403(b)s, 457s, TSPs, and 529s.
Although we work with professionals at any stage of their career, we are an especially great solution for busy professionals who are 5 -10 years away from retirement and want to ensure that their nest-egg is professionally managed to help mitigate market risk. If your employer's plan offers a self-directed brokerage window, we can add additional value by evaluating and selecting new customized investment options to be added to your 401K portfolio.
Who This Is For
401K Pilot works with employees who have at least a $250,000 balance in their retirement plan (or combined balance among multiple plans). We work with most employer-sponsored retirement accounts including 401(k)s, 401(a)s, 403(b)s, 457s, TSPs, and 529s.
Although we work with professionals at any stage of their career, we are an especially great solution for busy professionals who are 5 -10 years away from retirement and want to ensure that their nest-egg is professionally managed to help mitigate market risk. If your employer's plan offers a self-directed brokerage window, we can add additional value by evaluating and selecting new customized investment options to be added to your 401K portfolio.
Why Trust 401K Pilot
401K Pilot is a service of Gateway Capital Management a DBA of Balboa Wealth Partners
- U.S.-based, a licensed Fiduciary Financial Advisor
- Transparent, published annual fee. No commissions
- Your account, your contributions, your control — always
Questions We Hear Most
Do I still control my 401(k)?
Yes. You retain full control over your account, your contributions, and your employer match at all times. We manage the investment strategy only; you're never locked out of your own money.
Does my money leave my employer's plan?
No. Everything stays inside your existing 401(k). We simply portal through to your custodian and manage your 401K portfolio by selecting and monitoring the investment options in your plan
What does this cost?
A flat, published annual fee of 1% — no hidden charges.
Are there any long-term commitments?
No, you are billed monthly for our advisory services and you can cancel at anytime without penalty
What type of accounts do you work with
We work with most employer-sponsored retirement accounts including 401(a)s, 403(b)s, 457s, TSPs, and 529s.
Ready to See What Professional Management Looks Like for Your Account?
It takes less than five minutes to find out if your plan qualifies — and there's no cost or obligation to check.
Ready to See What Professional Management Looks Like for Your Account?
It takes less than five minutes to find out if your plan qualifies — and there's no cost or obligation to check.
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
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