Download your TRAC™ resource guide.
TRAC™ connects client goals, risk constraints, and retirement savings to markets and investing.
TRAC™ is a goals-based guidance process – a lens – which measures and maps timelines, resources and a portfolio’s asset allocation against current market conditions and the cost of retirement income.
Process
Each letter in the TRAC™ acronym serves as a key input to creating a client’s personalized retirement dashboard:
[ T ]
Timelines & Goals
How do you see yourself progressing towards not having to work to cover living expenses and what are ideal and acceptable variations of what that could look like?
[ R ]
Resources
What Human (future earnings), Social (relationships, networks and safety nets) and Financial Capital (portfolio assets) do you or will you have at your disposal?
[ A ]
Asset Allocation
What is the appropriate collection of safe and growth investments that best balances your willingness, need, and ability to take risk when funding your goals?
[ C ]
Conditions
How is the financial marketplace pricing the key drivers of retirement costs and what are current best estimates of investment returns and risks?
How is TRAC™ different?
FWM’s proprietary TRAC™ process integrates active financial planning and intentional investing in order to provide a personalized solution for managing long-term goals.
Old Way |
TRAC™ Way |
|---|---|
| Planning is a one-time event | Planning is a recurring process |
| Focus investment efforts on “beating the market” | Adjust investment allocation to balance tradeoffs between ideal and acceptable goals and changes to life circumstances and priorities |
Is FWM’s TRAC™ retirement service right for you?
Schedule a FIT meeting now.
experience
━
TRAC™ Your 401(k)
The employer-sponsored 401(k) market lags the retail investment industry in cost, transparency and overall user experience. As one industry consultant put it, “these plans are…weakly designed, untidily executed and poorly appreciated."
Despite these shortcomings, 401(k)s and other ERISA governed plans are the primary funding vehicles for working professionals.
To fill the void forcing employees to serve as portfolio manager of their own retirement account, FWM serves as a fiduciary advisor to individual plan participants looking for personalized advice within their 401(k) plans.
401k Plans
Are You a Plan Sponsor or Participant?
PLAN SPONSORS
Is your 401(k) plan being managed consistent with your fiduciary responsibilities? Are you interested in offering your employees personalized retirement advice?
PLAN PARTICIPANTS
Forward Wealth Management’s 401(k) Advisory Service provides low cost, direct-to-consumer retirement portfolio management services within employer-sponsored 401(k) retirement plans.
sdba Plans
Self-Directed Brokerage (SDBA) Advisory Services
Many qualified retirement plans, such as 401(k)s, allow participants to select investments outside of the plan’s standard menu through a Self-Directed Brokerage Account (SDBA). In certain instances, FWM is able to provide our TRAC™ process within a plan participant’s SDBA. Please contact us to determine if our services are available within your existing firm-sponsored retirement plan.
Personalized solutions
Contact us to learn if our unique approach is a fit for you.