Professional 401(k) Management, Without Leaving Your Plan
Here's exactly what 401K Pilot does, how it works, and what it costs.
Professional 401(k) Management, Without Leaving Your Plan
Here's exactly what 401K Pilot does, how it works, and what it costs.
The Service
A fiduciary in the cockpit of your existing 401(k).
401K Pilot provides ongoing, professional management of the investments inside your current employer-sponsored 401(k) using the self-directed brokerage (or "brokerage window") option many plans already include but few employees know about.
Instead of picking a fund once and leaving it alone for years, your account is actively reviewed, allocated, and rebalanced by a licensed fiduciary adviser as your goals and the markets change.
The Service
A fiduciary in the cockpit of your existing 401(k).
401K Pilot provides ongoing, professional management of the investments inside your current employer-sponsored 401(k) using the self-directed brokerage (or "brokerage window") option many plans already include but few employees know about.
Instead of picking a fund once and leaving it alone for years, your account is actively reviewed, allocated, and rebalanced by a licensed fiduciary adviser as your goals and the markets change.
What stays exactly the same
Your employer, your plan, and your plan provider
Your payroll contributions and employer match
Your ability to log in and see your account at any time
What changes
Who's actively managing the investment strategy
How often your allocation is reviewed and adjusted
The level of personal guidance behind your retirement account
What's Included
Clear guidance before and after the first review.
01. Initial plan review.
We confirm whether your employer's plan supports self-directed brokerage accounts and review your current investment lineup.
02. Custom allocation strategy.
Your portfolio is built around your timeline, risk tolerance, and broader financial picture. Not a one-size-fits-all glide path.
03. Ongoing management.
Your account is monitored and re balanced on a regular basis, not just once at enrolment.
04. Direct access to a fiduciary adviser.
Questions about your account, your contributions, or your retirement timeline go straight to a licensed adviser. Not a call center.
05. Coordination with your broader plan.
For clients who work with us on retirement planning more broadly, your 401(k) strategy is coordinated with your other accounts and goals.
How It Works
Step 1: Flight Check
Share your most recent 401(k) statement or plan summary. We'll confirm whether your plan offers a self-directed brokerage window. The mechanism that makes professional management possible without a rollover.
Step 2: Flight Plan
If your plan qualifies, we build a proposed allocation strategy based on your goals, timeline, and risk tolerance, and walk you through exactly what management would look like.
Step 3: Take Off
If you decide to move forward, we set up management within your existing plan. Your contributions and employer match continue uninterrupted. The only change is who's managing the investment side.
Ongoing: Cruising Altitude
From there, your account is reviewed and rebalanced on an ongoing basis, with a fiduciary adviser available whenever your goals or questions change.
How It Works
Step 1: Flight Check
Share your most recent 401(k) statement or plan summary. We'll confirm whether your plan offers a self-directed brokerage window. The mechanism that makes professional management possible without a rollover.
Step 2: Flight Plan
If your plan qualifies, we build a proposed allocation strategy based on your goals, timeline, and risk tolerance, and walk you through exactly what management would look like.
Step 3: Take Off
If you decide to move forward, we set up management within your existing plan. Your contributions and employer match continue uninterrupted. The only change is who's managing the investment side.
Ongoing: Cruising Altitude
From there, your account is reviewed and rebalanced on an ongoing basis, with a fiduciary adviser available whenever your goals or questions change.
What it costs
One clear
advisory fee.
1%
Annual advisory fee
Flat, published advisory fee: 1% annually, billed directly against the account. No commissions, no hidden charges, no cost to find out if you qualify.
We believe you should be able to see exactly what you're paying and exactly what you're getting for it. There are no surprise fees layered on top of the advisory rate.
Frequently Asked Questions
Do I still control my 401(k)?
Yes, completely. You retain full ownership and control of your account at all times. We manage the investment strategy inside it. We never take custody of your money, and you can end the arrangement whenever you choose
Does my money leave my employer's plan?
No. Your balance stays inside your existing 401(k) the entire time. We manage it through the self-directed brokerage window your plan provides, so there's no rollover, no new account, and no lapse in your payroll contributions.
How is this different from a target-date fund?
A target-date fund adjusts its allocation on a fixed schedule based only on your expected retirement date. 401K Pilot builds and adjusts your strategy around your actual goals, risk tolerance, and full financial picture with a licensed adviser reviewing it, not a preset formula.
Does my plan even offer this?
Many do, but not all. Plans that include a self-directed brokerage window (sometimes called a "brokerage link" or "mutual fund window") make this possible. The first step of our process is confirming whether yours qualifies at no cost.
Is this only for high earners or experienced investors?
No. We work with employees at every income level and experience level. You don't need to be an expert investor or have an especially large balance to benefit from professional management.
Do you act as a fiduciary?
Yes. As part of Gateway Capital Management, an SEC-registered investment adviser, every recommendation is held to a fiduciary standard, meaning we're legally required to act in your best interest, not just recommend what's "suitable."
What if my plan doesn't qualify?
You'll still walk away from the flight check with a clearer picture of your current allocation and options. There's no cost or obligation either way.
What it costs
One clear
advisory fee.
1%
Annual advisory fee
Flat, published advisory fee: 1% annually, billed directly against the account. No commissions, no hidden charges, no cost to find out if you qualify.
We believe you should be able to see exactly what you're paying and exactly what you're getting for it. There are no surprise fees layered on top of the advisory rate.
Frequently Asked Questions
Do I still control my 401(k)?
Yes, completely. You retain full ownership and control of your account at all times. We manage the investment strategy inside it. We never take custody of your money, and you can end the arrangement whenever you choose
Does my money leave my employer's plan?
No. Your balance stays inside your existing 401(k) the entire time. We manage it through the self-directed brokerage window your plan provides, so there's no rollover, no new account, and no lapse in your payroll contributions.
How is this different from a target-date fund?
A target-date fund adjusts its allocation on a fixed schedule based only on your expected retirement date. 401K Pilot builds and adjusts your strategy around your actual goals, risk tolerance, and full financial picture with a licensed adviser reviewing it, not a preset formula.
Does my plan even offer this?
Many do, but not all. Plans that include a self-directed brokerage window (sometimes called a "brokerage link" or "mutual fund window") make this possible. The first step of our process is confirming whether yours qualifies at no cost.
Is this only for high earners or experienced investors?
No. We work with employees at every income level and experience level. You don't need to be an expert investor or have an especially large balance to benefit from professional management.
Do you act as a fiduciary?
Yes. As part of Gateway Capital Management, an SEC-registered investment adviser, every recommendation is held to a fiduciary standard, meaning we're legally required to act in your best interest, not just recommend what's "suitable."
What if my plan doesn't qualify?
You'll still walk away from the flight check with a clearer picture of your current allocation and options. There's no cost or obligation either way.
Find Out in Minutes if Your Plan Qualifies
No cost. No obligation. No rollover required.