Frequently Asked Questions
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1. Why do I need a service like your401kadvice.com?
2. How does your401kadvice.com work?
3. How can your401kadvice.com help me?
4. Will your401kadvice.com assist with a 403(b), 457, IRA, Sep, Simple, TIAA CREF plan?
5. How much does your401kadvice.com cost and how am I billed?
6. Does your401kadvice.com provide any discounts for its subscription service?
7. Does your401kadvice.com require a minimum account size?
8. How do I cancel your services?
9. How are your401kadvice.com recommendations communicated?
10. How often will I receive your401kadvice.com e-mail alerts?
11. Will I have to move my account(s)?
12. I like the way your have managed my 401(k), can you handle my other investment money, too?
13. How is your401kadvice.com compensated?
14. Who makes investment changes in my account?
15. What if I change employers?
16. How do I provide you with my investment choices if my plan is not listed?
17. What if the funds in my 401(k) plan have minimum “holding times” or other restrictions?
18. Is my employer notified?
19. What is so wrong with what I am doing now?
20. What is the method of money management that your401kadvice.com uses?
21. Is Relative Strength a proven system of money management?
22. Is there any money-back guarantee?
1. Why do I need a service like your401kadvice.com?
For most people in today’s hectic world, there isn’t enough time in the day to read financial newsletters and magazines, study charts, or pull up the study of every mutual fund in your 401(k) plan. We take a tactical approach to the market. We believe there are times that we should be on offense in the market (buying and holding good funds). But, more importantly, there are times to be on defense in the market (trying to preserve accumulated retirement funds or even going to cash). A buy and hold or buy and hope strategy can be disastrous to your retirement account. When the market is clearly in a downward trend, action must be taken, in hopes of keeping investment losses to a minimum. Not heeding this kind of strategy and advice has lead many retirement accounts to turn from 401(k)’s to 201(k)’s because of severe losses. This recent Bear market has proven that. Albert Einstein, one of the most intelligent men to ever live, said it very well when he stated the definition of insanity. “Insanity: doing the same thing over and over again and expecting different results”. Sound familiar? This describes many 401(k) participants’ investment strategy, a hold and hope. Or rather may we say that many Investment Advisors adhere to this mode of investing for their clients? WE MUST STOP THE INSANITY. We believe you should focus on what you do best and what you enjoy. Let your401kadvice.com do what we do best so you can sleep better at night.
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2. How does your401kadvice.com work?
Your401kadvice.com is the brain child of Clay Capital Management, LLC, a Registered Investment Advisory firm. Our mission is to provide quality advice for 401(k) plan participants. We provide straight-forward, unbiased advice by looking at all the investment options available to you and researching them thoroughly. We then endeavor to identify the mutual funds that will best help you achieve your retirement goals. Ongoing monitoring of your 401(k) account and making the right selection of funds for your retirement is crucial in this economy.
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3. How can your401kadvice.com help me?
Our timely unbiased recommendations are based on Institutional research tools and services that are usually only provided and employed by Professional Money Managers and Large Institutional Accounts. The General Public has rarely benefited or gained access to this information because of its institutional nature and cost, making it impractical for most to obtain, unless you are employed in the Professional Money Management field. We firmly believe that there is no “black box” or cookie-cutter solution to stock market performance. We believe that a buy and hold strategy may not be the most effective retirement strategy. Your401kadvice.com therefore employs a tactical asset strategy, using institutional tools and research to try to capture any seasonality trends and cycles that may exist in the market. Our endeavor is, also, to try to find favored sectors along with the highest relative strength mutual funds.
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4. Will your401kadvice.com assist with a 403(b), 457, IRA, Sep, Simple, TIAA CREF or Federal Thrift Savings Plans?
Yes, we are not limited to 401(k) plans. Your401kadvice.com will work with any deferred retirement plan. We would be happy to take a look at your menu of funds available through your employer or previous employer. Not sure what type of plan you have? CONTACT US and we can evaluate your menu of funds or statement to make certain we can help you.
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5. How much does your 401kadvice.com cost and how am I billed?
A subscription to your401kadvice.com is available at an affordable rate of $250 per quarter. You can also pay semi-annually and receive a 20% discount. This can be done through our secure website with any major credit card, Visa, MasterCard, your bank debit card, even American Express and Discover, through PayPal.
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6. Does your401kadvice.com provide any member discounts for its subscription service?
Yes, your401kadvice.com will provide a 20% discount for members who have more than one subscription within an immediate family. If you are interested in the family discount you will need to send us an email to sales@your401kadvice.com. You will then be provided with a special promotional code. There is also a 20% discount if you pay your subscription fee semi-annually.
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7. Does your401kadvice.com require a minimum account size?
Yes, the minimum size account that we will advise is $50,000. However there are no maximum amounts. You no longer have to pay high broker commissions and fees. Our subscription price is fixed at $250 per quarter, no matter how large your account is.
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8. How do I cancel your services?
There are no contracts. You may cancel at anytime. Unearned fees will be returned. We want our clients to be extremely satisfied and would also appreciate any feedback from you as to the reason for your terminating.
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9. How are your 401kadvice.com recommendations communicated?
Your401kadvice.com provides an easy way to get a clear, objective, unbiased, independent and professional investment advice through our Web-based online services. After we receive your online completed forms and risk tolerance, we then review your 401(k) plan options and make a personal recommendation for your fund selection and allocation, based on your confidential profile. Your specific recommendation will be sent to you via our e-mail alert system usually within 48 hours, depending on the complexity of your 401(k) plan options. You shall then be responsible for the timely implementation of the suggested allocation adjustments to your account. You keep and stay in control of your own portfolio. Because you make the final decision to implement the allocation change, there is no need to share access to your retirement plan or give up the privacy of your 401(k) plan by sharing your passwords with a financial advisor.
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10. How often will I receive your401kadvice.com e-mail alerts?
We monitor the investment choices that are a part of your retirement plan daily. You will be alerted as often as significant changes occur in the overall market or the specific investment choices in your 401(k) plan. We maintain ongoing communication with all of our clients. The changes are generally 4 to 6 times a year, depending on the volatility of the market.
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11. Will I have to move my account(s)?
No. That’s the beauty of it. Your401kadvice.com is independent of your employer and your plans location. Your account stays right where it is. We have no hidden agenda, just disciplined, unbiased guidance. So you do not need to move your account nor do you ever lose any control over you account. You remain entirely in control.
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12. I like the way you have managed my 401(k), can you handle my other investment money too?
Your401kadvice.com can provide professional advice for all your investment accounts whether they be retirement or after- tax accounts, in a brokerage account or in a personal investment account of mutual funds.
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13. How is your401kadvice.com compensated?
Your401kadvice.com is the innovation of Clay Capital Management, LLC an independent Registered Investment Advisor. We do not sell any investment products or receive any commissions from any mutual funds or financial products we may recommend. Commission sales can create a potential conflict of interest. We are strictly a fee-based advisor. We receive no commission or incentives to cloud our investment judgment. We are committed to providing you with straight-forward, quality advice. Our only revenue source is from you, the client. Isn’t it time to stop paying high broker commissions and fees that provide only cookie cutter advice?
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14. Who makes investment changes in my account?
You remain in total control of your 401(k) funds, while we advise you on which funds to use. You make the actual changes to your 401(k) retirement plan when you receive an e-mail alert. It’s up to you! Your401kadvice.com is for members who prefer to keep control of their 401(k) account. We do not have access to your retirement account.
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15. What if I change employers?
When this occurs, please let us know and we will make the changes in your profile to reflect your new employer. Any new menu of funds you may have you can e-mail to memberservices@your401kadvice.com or fax to (303) 530-9852. We will quickly update your subscription with your new fund choices.
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16. How do I provide you my investment choices if my plan is not listed?
During the registration process, if your employer plan is not already listed with us, you will be given the option to list your funds in the comments section; you can also email your menu of retirement funds to info@your401kadvice.com or fax them to (303) 530-9852.
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17. What if the funds in my 401(k) plan have minimum “holding times” or other restrictions?
Moderate restrictions, like a 7 day, a 15 day or even a 30-day minimum hold time are rarely an issue. Very few funds require a longer 90 day minimum hold time, and some 401(k) plans limit the number of changes that can be made per quarter or per year. Even then, your401kadvice.com usually will not run afoul of these restrictions, but not always.
When the penalty for violating some restriction is monetary (say 1% to 2% of the dollar amount involved) delaying the execution of a change in your 401(k) portfolio by just a few days can sometimes avoid the penalty. Our studies have shown that such minor delays don’t have much of a negative impact on returns, and frequently the penalty is no more than a letter sent to the 401(k) plan participant reminding him or her of the restrictions.
If your plan has unreasonable restrictions our strong suggestion is to use a “self-directed” brokerage account option, if such an option is available in your plan. By using the self-directed brokerage account you are free to make changes as you see fit. Our ETF model portfolio is well suited for the “self-directed” brokerage option.
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18. Is my employer notified?
No, your employer is not notified. Your401kadvice.com works directly with you. Your401kadvice.com services are not made available to employers. This eliminates any conflicts of interest.
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19. What is so wrong with what I am doing now?
Sometimes a buy and hold attitude can lead to a hope and hold attitude. Some of the more recent Bear action in the market that we have seen over the last several years have testified that this type of long range investing without any consideration to what the market is doing can be disastrous to your retirement account balance. Things change and you need to be willing to change also, especially if your account is hit with heavy losses. These losses are often difficult to make up. It may take years or even a decade or more to make up what was lost. Does this sound like a sound strategy for setting up a secure future and retirement?
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20. What is the method of money management that your401kadvice.com uses?
Your401kadvice.com uses a systematic application of relative strength to manage your retirement money.
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21. Is Relative Strength a proven system of money management?
Many portfolio managers, as well as academic studies, advocate relative strength analysis as a viable methodology designed to out perform the market over time. James O’Shaughnessy in his book “What Works on Wall Street?” tested, in a rigorous manner, what investing strategies can actually be proven to work in the stock market. His results were rather conclusive. He wrote, “Relative strength is one of the criteria in all 10 of the top-performing strategies, proving the maxim that you should never fight the tape.” "What Works On Wall Street," James P. O’Shaughnessy, McGraw Hill, 1997
In our opinion relative strength is the most robust and adaptable method of security analysis. By building a portfolio of strong relative strength investments our members are able to participate in the trends both short- term and long-term in time.
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22. Is there any money-back guarantee?
Yes, we are so confident that your401kadvice.com is what you have been looking for, that we have a 90 day money-back guarantee. If you are not happy with our services within the first 90 days of your subscription, just contact us within that first 90 days* and we will return your money back without question. What do you have to lose? There are many people who simply invest in their 401(k) and never enjoy the peace of mind that comes with being on the right track. Shouldn’t you be on track? You owe it to yourself and your family. Don’t sit and wait for your problems with your 401(k) to go away. Take your first step today! Start your 90 day money-back guarantee subscription today and begin looking forward to your future and retirement. *new subscribers only
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