Guides
The workplace plan reading library
Six source-linked guides. Each opens with a quick answer, then explains the details and links to the IRS, the Department of Labor and other official references.
- GUIDE 01Understanding a 401(k) Self-Directed Brokerage AccountLearn how a workplace plan's self-directed brokerage account works, what broader investment access may mean, and which costs, restrictions and risks to review.Read the guide
- GUIDE 02Fiduciary Advice for Your Existing 401(k)Explore individual workplace-plan advice, advisor access through an eligible SDBA, and questions about scope, fees and responsibilities without changing employers.Read the guide
- GUIDE 03401(k) Rebalancing and Asset AllocationUnderstand asset allocation, diversification and rebalancing in a workplace retirement account, including costs, plan restrictions and questions to discuss.Read the guide
- GUIDE 04Your 401(k) as Retirement ApproachesExplore the shift from saving to retirement income, including spending needs, withdrawal flexibility, investment risk, taxes and your workplace plan's rules.Read the guide
- GUIDE 05401(k) Rollover or Staying in the Plan?Compare reasons to remain in an employer retirement plan with considerations for an eligible rollover, including costs, services, investment choices and taxes.Read the guide
- GUIDE 06Roth 401(k) or Traditional 401(k)?Learn how designated Roth and traditional pre-tax workplace contributions differ, why distribution conditions matter, and what to discuss with a tax professional.Read the guide
Reading paths
Pick a path by situation
Just getting oriented
Start with brokerage windows, then allocation and rebalancing.
Making a tax or job-change decision
Roth versus traditional, and rolling over versus staying.
Thinking about outside help
Retirement timing, and how fiduciary advice in a plan works.
Questions about plan design for a company? See the business-owner pages or the FAQ.
Seven workplace-plan questions
Not sure where to begin?
A short quiz that shows where to start. ZIP, seven answers and your contact details are required before results. No account numbers are requested.