Your 401(k) is your most important financial asset. Isn’t it time someone was actually managing it?
Most employers offer a 401(k). Very few offer an advisor who will actually manage it for you. At Scarborough, we offer subscription-based management of your workplace retirement plan — a dedicated advisor, a personalized strategy, and ongoing monitoring for a flat monthly fee. It’s how we build relationships that last decades.
Many of our wealth management clients started with our 401(k) management service years before retirement. By the time they were ready to roll over into an IRA, we already knew their goals, their risk tolerance, and their financial picture — making the transition seamless.
PLANS WE MANAGE
401(k) plans
403(b) plans (schools, hospitals, nonprofits)
Thrift Savings Plans (TSP) for federal employees and military
WHAT’S INCLUDED
Personalized investment strategy built around your retirement timeline and risk tolerance
Ongoing monitoring, rebalancing, and adjustments — we do the work so you don’t have to
Contribution optimization to maximize your savings rate
Unlimited phone and email access to your dedicated advisor
No need to move your account — we work within your existing employer plan
Annual review of your retirement readiness
Pricing
Our Savings Plan Management service starts at just $49.99/month for accounts up to a certain balance, with slightly higher tiers above that.
See the full fee schedule on the Our Fees page.
FREQUENTLY ASKED QUESTIONS ABOUT 401(k) MANAGEMENT
Yes. We work inside your existing employer plan. There is no rollover, no withdrawal, and no account transfer required. We manage the investments within the plan you already have.
That’s exactly why professional management matters. We work with what’s available in your plan and optimize within those options. And if your plan offers a brokerage window (like Fidelity BrokerageLink®), we offer an expanded service — see our 401k Manager page.
Most people set their 401(k) allocations once and never revisit them. We actively monitor, rebalance, and adjust based on market conditions and your timeline. Studies consistently show that professionally managed accounts outperform self-directed accounts — particularly during volatile markets when behavioral mistakes are most costly.
Absolutely. You retain full online access to your account through your plan provider at all times.
When the time is right, we can help you roll your workplace plan into an IRA managed through Fidelity or Schwab — with all the broader investment flexibility that comes with it. Many clients make this transition with us naturally.
WHAT RETIREMENT MIGHT LOOK LIKE FOR MILLENNIALS
HOW TO BECOME A 401(K) MILLIONAIRE
WHAT TO KNOW TO PROTECT YOUR WEALTH
Stop leaving your 401(k) on autopilot.
Schedule a free consultation to find out how a dedicated advisor could change the trajectory of your retirement savings.
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