Your 401(k) Has Been on Autopilot Long Enough.
401K Pilot puts a licensed fiduciary in the cockpit of your existing employer-sponsored retirement account no rollover, no transfer, no disruption to your plan.
Your 401(k) Has Been on Autopilot Long Enough.
401K Pilot puts a licensed fiduciary in the cockpit of your existing employer-sponsored retirement account no rollover, no transfer, no disruption to your plan.
The problem
Most People Set Their 401(k) Once and Never Touch It Again
When you enrolled in your employer's plan, you likely picked a fund, checked a box, and moved on. For most participants, that's the last decision they ever make about their retirement account, even as their income, goals, and the market change year after year.
Left untouched, a 401(k) doesn't manage itself so much as it drifts: contributions keep flowing in, but the strategy behind them never gets a second look.
The problem
Most People Set Their 401(k) Once and Never Touch It Again
When you enrolled in your employer's plan, you likely picked a fund, checked a box, and moved on. For most participants, that's the last decision they ever make about their retirement account, even as their income, goals, and the market change year after year.
Left untouched, a 401(k) doesn't manage itself so much as it drifts: contributions keep flowing in, but the strategy behind them never gets a second look.
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 work through your plan's self-directed brokerage option (if it has one) to actively manage the investments already sitting inside your 401(k).
You keep contributing exactly the way you always have. You keep every dollar of your employer match. The only thing that changes is who's flying the plane.
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 work through your plan's self-directed brokerage option (if it has one) to actively manage the investments already sitting inside your 401(k).
You keep contributing exactly the way you always have. You keep every dollar of your employer match. The only thing that changes is who's flying the plane.
Three reasons people bring in a co-pilot:
01
A dedicated fiduciary, not a target-date fund.
Target-date funds adjust on a preset schedule based on your age alone. A fiduciary adviser adjusts based on markets, your goals, and your full financial picture.
02
Active oversight, not a "set it and forget it" default.
Your account gets monitored and rebalanced on an ongoing basis instead of sitting untouched between enrollment and retirement.
03
No added complexity
Because the account stays inside your existing plan, there's no new paperwork with a separate custodian and no disruption to your paycheck deductions.
Three reasons people bring in a co-pilot:
01
A dedicated fiduciary, not a target-date fund.
Target-date funds adjust on a preset schedule based on your age alone. A fiduciary adviser adjusts based on markets, your goals, and your full financial picture.
02
Active oversight, not a "set it and forget it" default.
Your account gets monitored and rebalanced on an ongoing basis instead of sitting untouched between enrollment and retirement.
03
No added complexity
Because the account stays inside your existing plan, there's no new paperwork with a separate custodian and no disruption to your paycheck deductions.
How it works
Three Steps to a Better-Managed 401(k)
We check your flight plan. Send us a copy of your current 401(k) statement or plan summary. We'll review your investment lineup and confirm whether your plan supports self-directed, professionally managed accounts.
We map your options. If your plan qualifies, we'll walk you through exactly what professional management would look like for your account. 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. If it doesn't, you'll still walk away with a clearer picture of where your retirement account stands.
How it works
Three Steps to a Better-Managed 401(k)
We check your flight plan. Send us a copy of your current 401(k) statement or plan summary. We'll review your investment lineup and confirm whether your plan supports self-directed, professionally managed accounts.
We map your options. If your plan qualifies, we'll walk you through exactly what professional management would look like for your account. 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. If it doesn't, you'll still walk away with a clearer picture of where your retirement account stands.
Who This Is For
401K Pilot works with employees at any income level and any stage of their career. You don't need a large balance or investing experience to qualify. If your employer's plan offers a self-directed brokerage window, there's a good chance we can help.
Who This Is For
401K Pilot works with employees at any income level and any stage of their career. You don't need a large balance or investing experience to qualify. If your employer's plan offers a self-directed brokerage window, there's a good chance we can help.
Why Trust 401K Pilot
401K Pilot is a service of Gateway Capital Management, an SEC-registered investment adviser built on a fiduciary standard, meaning your adviser is legally obligated to act in your best interest, not just recommend what's "suitable."
- U.S.-based, licensed fiduciary advisers
- Transparent, published fee. No hidden 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; 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 manage it through the self-directed brokerage option your plan already offers.
What does this cost?
A flat, published annual fee of 1% — no hidden charges.
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.