Your 401(k) has grown. Your management strategy should too.
A step beyond Savings Plan Management. A bridge to full wealth management.
As your retirement account balance grows, the standard investment lineup inside your employer’s plan may no longer be enough. You may want more investment flexibility, more sophisticated risk management, and more personalized oversight than a basic plan allows.
Our 401k Manager service is designed for exactly that moment. For clients whose plans offer Fidelity BrokerageLink®, we combine the flexibility of a self-directed brokerage account with the discipline of our full advisory process — and the ongoing, active management of a dedicated Scarborough advisor.
What Is Fidelity BrokerageLink®?
Fidelity BrokerageLink® is a self-directed brokerage account available within certain Fidelity workplace retirement plans. It provides access to a significantly wider range of investment options beyond your plan’s standard fund lineup — including individual stocks, ETFs, and thousands of mutual funds.
Your assets remain inside your employer-sponsored retirement plan. There is no rollover or withdrawal. BrokerageLink® is simply an investment option within the plan that unlocks a broader investment universe.
WHAT’S INCLUDED IN 401K MANAGER
Access to Fidelity BrokerageLink®’s expanded investment options within your existing 401(k)
Scarborough’s disciplined, fiduciary investment process applied to your broader portfolio
Ongoing advisor-led management, monitoring, and rebalancing
Personalized investment strategy based on your goals, timeline, and risk tolerance
Unlimited phone and email access to your dedicated advisor
Full online account access through Fidelity at all times
WHO THIS SERVICE IS DESIGNED FOR
Mid-career accumulators
Professionals in their peak earning years who want a more sophisticated investment strategy inside their retirement plan — without the burden of managing it themselves.
Pre-retirees with larger balances
Investors approaching retirement who need greater control, customization, and risk management as their account balances grow and their decisions become more consequential.
WHO THIS SERVICE IS NOT RIGHT FOR
- Investors who prefer to select and trade investments entirely on their own
- Those comfortable remaining solely in a plan’s core investment lineup
- Individuals seeking short-term or speculative trading strategies
Pricing
$79.99 per month for account balances up to $1 million
$119.99 per month for account balances $1 million and above
Transparent, ongoing advisory fee. No hidden charges. Cancel at any time.
FREQUENTLY ASKED QUESTIONS ABOUT 401(k) MANAGER
Yes. Your assets remain within your existing employer-sponsored retirement plan. BrokerageLink® functions as an investment option inside the plan — not a rollover or withdrawal. There is no tax event.
No. Availability depends on your employer’s plan design. Contact us and we’ll help determine whether BrokerageLink® is an option for you.
Your dedicated Scarborough advisor manages your BrokerageLink® investments using a personalized strategy aligned with your goals, time horizon, and risk tolerance. We help handle all the day-to-day decisions.
Scarborough has a direct relationship with Fidelity as a Registered Investment Advisor. Upon your authorization, we are granted the ability to view and manage your BrokerageLink® investments. You can terminate our management at any time.
Yes. You retain full online access through Fidelity to view balances, holdings, and activity at any time.
Our standard Savings Plan Management works within your plan’s core fund lineup. The 401k Manager service, through BrokerageLink®, opens access to a much broader investment universe — giving us more tools to customize your strategy as your balance grows and your needs become more sophisticated.
When you retire or leave your employer, we can help you roll your plan assets — including BrokerageLink® holdings — into a managed IRA on the Fidelity platform, providing even greater investment depth and flexibility as a wealth management client.
FINANCIAL PLANNING IN ANNAPOLIS
HOW RETIREMENT PLANNING HAS CHANGED
401(K) & RETIREMENT PLAN MANAGEMENT
Find out if your plan qualifies for BrokerageLink®.
Schedule a free consultation and we’ll check your plan’s eligibility, walk you through how the service works, and answer any questions.
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