203 West Franklin Street
Centerville, OH 45459
Phone: 937-434-5697 or 866-401-ADVR
We realized early on that no one financial advisor could be all things to all clients. That’s why our
team consists of professionals with financial experience in investment management, financial
planning, accounting and insurance.
With this team approach, our clients have the luxury of knowing that they will get unbiased,
independent opinions on all aspects of their finances. When warranted, we will make
recommendations on financial issues other than money management.
401 Advisor, LLC is an independent Registered Investment Advisor, with no quotas to fill and no
financial incentive to endorse one product over another.
Menu of Services
Individual 401(k) Management (Pre-Retirement)
The Pension Protection Act of 2006 provided an avenue for employer’s to provide professional
investment management for employee’s 401(k) accounts. As a “Fiduciary Advisor” we can work
through an employer or directly with individuals to provide our proprietary professional money
management services to managing individual’s 401(k) and TSA retirement accounts.
Changing jobs or retirement provides a tremendous opportunity to have your retirement account
rolled to an individual IRA account and have it professionally managed. Unlike representatives at
major brokerage firms, we represent our clients’ interests, not those of an employer. In fact, as a
Registered Investment Advisor, we legally accept a fiduciary responsibility to manage accounts in
our clients’ best interest. Before rolling over an IRA ask your representative whether they will
invest on your behalf as a fiduciary, or do they act in their employer’s best interest.
Individual Private Money Management
Different accounts may require different strategies, from tax free income to estate preservation.
All of our accounts receive the personal services provided by professional money management.
Full Service Brokerage
For assets that are transferred in and held, it doesn’t always make sense to pay a management
fee. In these instances we can hold individual stocks and bonds in our brokerage accounts with
National Financial Services, (a division of Fidelity Investments).
Individual Retirement Plans
With catch-up provisions a married couple can now put up to $10,000 a year into an IRA or Roth
IRA (subject to IRS restrictions), making these accounts once again a major part of many
individuals’ retirement plans.
Business Retirement Plans
We can consult and establish 401(k)’s, SEP’s, profit sharing plans, and even defined benefit
plans for one person businesses up to businesses with thousands of employees. Under the right
circumstances an employer can shelter up to $175,000 (in 2006) a year in income from current
401(k) Compliance Analysis
With increased opportunity comes increased compliance. We can help an employer meet
guidelines under the Pension Reform Act of 2006 to ensure compliance and minimize liability
Fee Based Financial Planning
Independent advice is good, but experienced expert independent advice is even better. Let our
team of professionals prepare a financial plan that will put you on the road to financial success.
Variable Annuity Management
Unfortunately variable annuities can be a favorite of investment salespeople due to their
potentially high commissions. If your variable annuity is underperforming, or your sales person is
nowhere to be found, we can manage your existing annuity for your, giving you the service you
originally expected, but probably did not receive. Even if stuck with higher surrender fees we can
help to maximize your returns until surrender charges are eliminated and we can provide a lower
cost, fee only alternative.
Retirement Income Strategies
Social Security is going bust for one primary reason – we are living longer. Managing a
retirement account to provide an income for 30 or 40 years is not easy. When one wrong choice
can end up costing you your life savings, and your monthly check, seeking professional
assistance is not just prudent, but may be mandatory.
Your Privacy is Important to Us.
We value your privacy. Your information
is kept secure and confidential. If you
have any questions, please feel free to
©2009 401 Advisor, LLC. All rights reserved.
What We Offer You.