401(k), 403(b), and 457 plans
The largest account you own is usually the one nobody manages.
A 401(k), 403(b), or 457 you can't roll over yet is still the account doing most of the work. We apply a systematic allocation model inside your existing plan lineup, without you moving a dollar.
The blind spot
Most advisors manage what they can bill on.
If your advisor cannot custody an account, they usually stop thinking about it. So the IRA gets rebalanced quarterly and the 401(k), often the larger of the two, sits in whatever you picked during onboarding, when you had twenty minutes and a deadline.
- You picked your funds during onboarding and the enrollment deadline made the decision.
- Your advisor manages your IRA and ignores the account that's twice its size.
- Target-date funds get more conservative on a schedule that has nothing to do with your plan.
How it works
We work with the lineup you already have.
Most plans offer a fixed menu. The job is building the best available allocation from that menu, then maintaining it.
- 01
We map your plan's menu
Every fund available to you, its role, its cost, and what it can substitute for. Plan lineups vary enormously, and some have real gaps worth working around.
- 02
We build the allocation
A systematic, reproducible model applied to your available funds, using the same discipline behind our other strategies, expressed in the instruments your plan permits.
- 03
We maintain it inside the plan
Implemented through a secure third-party connection that lets us manage the account where it sits. No rollover, no distribution, no change of custodian.
Worth saying plainly
Managing your plan where it sits means we are not pushing you toward a rollover. When you do become eligible to move the money, staying is often a legitimate option. Plan-level institutional pricing and creditor protections are real advantages. We would rather model that honestly than assume the answer.
Availability depends on your plan and recordkeeper; not all plans support third-party advisory management. TradeWinds is not affiliated with, and this service is not endorsed by, any employer or plan sponsor.
The readiness assessment · free · 3 minutes
See where the rest of your plan stands.
This is the same calibration we walk through with prospective clients. Nine questions, one to ten, across every part of a retirement plan. Nobody scores green on all nine — the useful part is finding out which of the reds you did not know about.
- 01
Your score, free
All 9 accelerators scored and color-coded the moment you finish. No email needed to see it.
- 02
The written breakdown
What each score actually implies and the order to work through them, in exchange for a name and an email.
- 03
Then a conversation, if you want one
Bring the scorecard. An advisor will have seen it before you sit down.
Send us your plan's fund lineup.
We will tell you what we would build from it and whether the account is worth managing actively. That review costs you nothing.