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KCM specializes in, and partners with you the retirement plan investor, in order to help you make better investment decisions and regain control of your retirement plan investments.
We currently work with plans ranging from simple to complex, and our services include management of funds through a BrokerageLink. We are open to working with clients from any 401(k) plan regardless of the investment options available in the plan.
We believe very strongly that given the appropriate level of advice, you can and should call your own shots in your retirement plan. The ability to understand our retirement plan options and control the risk you take with your retirement money allows you to react unemotionally to a rising and falling stock market – instead of guessing at what to do next.
Differentiation Our primary strength is our ability to help clients manage their stock market risk.
There are two key principles we employ in managing the risk within your account. They are to PRESERVE WEALTH and to ACCUMULATE WEALTH. We preserve wealth by raising cash in the early stages of a stock market decline. We accumulate wealth by taking the cash we raised and reinvesting it in the best mutual funds in your retirement plan when the stock market moves back up.
We also will help you, the investor, understand when and when not to be allocated to your company stock within your 401(k). Many participants may be emotionally tied to their company, and this is simply not a good reason to own company stock.
Responsibility
Our firm assumes the responsibility of watching your retirement plan options every day. We analyze changes in risk levels and inform you when it’s appropriate to modify your investment decisions. We provide easy-to-understand, specific advice regarding the mutual fund options in your company retirement plan. You will understand why we are making a recommendation, when to execute on it, and how it may effect your portfolio.
We function as an early warning system for our retirement plan advisory clients. We intimately know our client’s retirement plan options, and use our web site, e-mails, phone calls and personal meetings to contact clients when their retirement plan needs immediate attention.
Although our process for making risk-management decisions is well thought-out and structured, there will be times when an investment decision goes against us. Our investment strategy provides a game plan for when things go wrong. STOP orders are used to alleviate downside risk in each of your retirement plan mutual fund holdings. It’s OK to be wrong; it’s just not OK to stay wrong. That’s the essence of stock market risk management.
BrokerageLink
We are currently set-up with Fidelity Investments to provide advice to 401(k) clients through their BrokerageLink. 401(k) plans with the Fidelity BrokerageLink feature include Whole Foods,Cisco, and Oracle to name a few. Participants in these plans are able to establish a BrokerageLink account with Fidelity as a part of their existing 401(k) plan, and can then direct a portion of their 401(k) balance to the account.
Money held within the BrokerageLink account can then be used to select from thousands of investment options including individual stocks, bonds and mutual funds. With this open architecture, plan participants are able to take advantage of any of the strategies available to KCM customers through their taxable or retirement Fidelity brokerage accounts.
Easy to Get Started
Unlike the paperwork necessary to open a normal brokerage account and a transfer of asset process that may be involved if switching custodians, the process of utilizing KCM's advisory services is simple. All that is required is for KCM to be linked to your existing BrokerageLink account, and we will be able to advise on your account shortly thereafter. If you do not currently have BrokerageLink established, we are happy to help you through the simple process.
You can access the BrokerageLink application on your company's 401(k) website.
To learn more about partnering with KCM in managing your 401(k) or for a complimentary assessment of your current 401(k) allocation, please contact KCM toll free at 866.453.6565 or locally in Austin, Texas at 512.506.9395.
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