Vaughan & Co. Retirement Plan Management

Vaughan & Co. Securities, Inc. can manage your 401(k)s, 403(b)s, and even deferred compensation plans. There are 4 areas of focus that Vaughan &  Co. brings to Retirement Plan Management. We call it the "ABCTs" of Retirement Plan Management. The "A" stands for Active Rebalancing of Investments.  The "B" stands for Behavioral Investment Counseling. The “C” stands for Customized Financial Planning. The "T" stands for Tax Efficient Investing.


We follow our rules based rebalancing investment philosophy. By managing your retirement plan, we implement the recommended Asset Allocation by adjusting the Future Contributions and Current Balances.

Behavioral Investment Coaching is keeping the client on their financial plan. We start with the financial plan and always stick to it because it is the best way to reach your financial goals. While dealing with volatility is never fun, it’s important to remember that your financial plan and investment strategy already accounts for fluctuation in markets.  The most important thing is following the plan when bad things happen. Our advice to clients is to be invested during both the up and down trends and investing more when you can. The good news for 401k, 403b contributions is you are investing every time you get a paycheck, a piece of your income is invested each time you get paid. We believe this is a great formula for success.


Your 401k or 403b is a piece of your financial plan. People think 401k management is just picking the right asset allocation. Unfortunately, you cannot do that without understanding the participants complete financial situation and financial goals. The financial plans are customized and tailored to each client depending on their goals. Once you understand the clients goals you can create an effective asset allocation.


Our clients do not just have a 401k, 403b account but they also have a personal, or a joint account that is taxable. 401ks and 403b are tax deferred accounts, all contributions are tax deductible. Being able to utilize both taxable and non-taxable accounts to rebalance allows us to be more tax efficient.

There is a fee associated with this service. The managing of retirement accounts follows our standard fee schedule but at a reduce rate of .25%. We reduce our fee because we do not have control over the investments provided in retirement plans. If you are interested in learning more about how we can help you regarding your 401k, 403b, or deferred compensation plan, give us a call at 201-444-1361.

In addition, to learn more about how  Vaughan & Co. can manage your Retirement Plan listen to the podcast episode below. ↓

For more information about Pontera's 401k management platform, click the Infographic-Should Your Advisor Manage Your 401(k).