Modern Investing Made Simple

Today, the burden of preparing for retirement has been placed on the individual, making saving for it more important than ever. But between balancing all other aspects of their lives, the average American doesn’t have time to add managing their retirement account to their to-do list. At 401karat, our experts do the heavy lifting for you, providing quarterly allocation recommendations based on your employer’s retirement options. Our product works with most retirement plans including 401(k), 403(b), 457, and 401(a).

Retirement in 3 StepsHow It Works

Preparing yourself for a successful and fruitful retirement can be accomplished in three easy steps with 401karat!

Step 1  Create Your Account

You can register for your 401karat account by completing a risk questionnaire and uploading your 401(k)’s investment options. If this is your first time using 401karat try your first quarter for FREE! No contracts, no commitments.

Step 2  Get Your Custom Model & Make the Changes

Once 401karat has analyzed your retirement investment options through our modern, math-based investment analysis, you’ll receive and email letting you know to log into your 401karat portal to review  recommended allocation. Once you’ve received your allocation, you can go to your employer retirement website and make the recommended changes to your plan. At 401karat, we believe investors should have the final say on their investments.

Step 3  Watch for Quarterly Updates

Your first quarter is completely free! After your first quarter, we will bill you only $50.00 every 90 days after that. Every quarter, you’ll receive new allocation recommendations from 401karat. In the meantime, feel free to keep up with the market by reading 401karat’s regular market updates!

Make Early Retirement Possible

We understand everyone’s financial situation is different. Whether they are a new graduate, have a family or started saving for retirement late, we want to help make early retirement possible. Our mission is to bridge the gap between the American dream and the American reality.

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    Invest Like a Professional

    401karat’s custom-built investment allocations take advantage of current market trends, allowing you to save for retirement like a professional investor! Unlike other advisors that have their fees grow along with your account, 401karat charges a flat fee. People shouldn’t be penalized for saving more for retirement!

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    Fintech with a Human Touch

    Unlike automated robo-advisors that use the same investment strategies as they did in the 1950s, 401karat combines modern investment analysis with access to a real, professional financial advisor. Don’t just default into a Target Date Fund, even a 1% outperformance can make a big difference.