FinTech with a human touch.

  • Our Mission

    We understand everyone’s financial situation is unique and our mission is to bridge the gap between the American Dream and the American Reality.

  • Portfolio Technology Methodology

    Our Investment Analysts run your current retirement lineup through out proprietary technology math-based methodology to optimize your portfolio.

  • Quarterly Portfolio Models

    Each quarter, you will receive four risk-based models for employees to select from based on their risk.

  • Modern Investing Made Simple

    Your employees will get financial advice for a portion of the cost.

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employee benefits

How It Works

Step 1  Sign Up

Sign up for your free quarter and book a 15-minute call to get started with discussing your company’s goals and challenges. 

Step 2  Receive Portfolio Models Each Quarter

We will deliver to you various portfolio allocation options for employees to choose from based on their risk tolerance. they will be able to take an assessment online to help choose the best model for them.

Step 3  Provide Advice to Your Employees

Once the employee has chosen their model, they will need to log in to their account and make changes

Step 4  Watch Your Retirement Karat Grow!

Once employees have made changes based on our recommendations, your employee will be able to see their retirement plan grow. At 401karat we believe everyone deserves to retire with dignity no matter their financial situation. this is why we are working so hard to deliver the best allocations to our clients.

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First Quarter 100% Free

At 401karat, we know you are the kind of business who wants to empower your employees to take control of their retirement. In order to do that, you need to get assistance in carrying the weight of your fiduciary responsibility.

You’re facing challenges like company morale, productivity, getting 401(k) training for employees, staying competitive in the job market and bringing in new talent.

We believe that your employees shouldn’t have to go through life with the mentality of, “I’ll never stop working.” That’s why we have a flat-rate fee, so your employees aren’t penalized for being proactive and saving for retirement.

Get your free consultation today so you can stop feeling frustrated about your HR situation and start providing valuable benefits to your employees.

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