401(k) Program

Bull Financial's 401(k) Program

“A 401(k) can have the best funds, best price, and all the “bells and whistles,” but if participants do not understand how to allocate their investment options, they will have very little chance of success in reaching their retirement goal.”
– Vance Howard, CEO of Howard Capital Management, Inc.

"Barry has handled our investments since 2013. He has always been very accountable for returns and helpful regarding any financial advice. The added benefit of the 401(k) program has made me more confident and in control of my retirement plan."

-Erik Wilke
Wurth Wood Group, Program Director

This testimonial is based upon an individual client experience and may not be representative of the experience of other customers and should not be considered a guarantee or indication of future performance or success.

Trust Where Your Assets are Invested

Enhancing Retirement Plan Management

Employer-sponsored retirement plans often hold the majority of our retirement assets for extended periods. However, these plans typically offer limited investment options and detailed retirement planning advice. The investment allocations are often pre-set and fail to adapt to changing market conditions.

Bull Financial’s Active Allocation Program

Bull Financial has developed an active, personalized allocation program designed to navigate shifting market conditions, complemented by comprehensive financial planning advice. The goal is to achieve superior returns and risk management compared to traditional static buy-and-hold strategies commonly found in retirement plans. Previously available only to existing clients, this program is now being offered to the public on a limited basis at no cost.

Program Details

This program simplifies active investing by potentially requiring 4-10 re-allocations annually, which are only made as needed. Unlike previous quarterly adjustments, these changes are more straightforward. To participate effectively, it's recommended that you be comfortable accessing your company's 401(k) website via computer or phone. Re-allocations should ideally be completed by the market close on the day they are received, with notifications sent via email and text.

Investment Philosophy and Benefits

This approach mirrors the successful strategies used in Bull Financial's managed accounts. Although managing each 401(k) requires more time due to varying investment options, the program is offered without charge. It provides an opportunity for individuals to receive expert advice and build a trusted relationship with Bull Financial as their life circumstances evolve. This program addresses the common lack of detailed investment management available in most retirement plans.

Steps to Join
Bull Financial's
401(k) Program

Take Control of Your Retirement in Two Easy Steps:

1. Initial Consultation
Schedule a quick 15-minute call with Bull Financial using phone, email, or the provided scheduling link. This call will cover your retirement plan options and program details, helping you understand how we can assist you.

2. Customize and Optimize

Risk Assessment: Complete our brief risk tolerance questionnaire to determine your comfort level with risk, aligning with your financial goals and investment timeline.
Rebalance and Reallocate: Receive email and text notifications when it's time to adjust your allocations. Simply log into your financial institution to implement our recommended changes.

- Financial Engines and Aon Hewitt

Financial Study

“In a 2014 Financial Engines/Aon Hewitt study, the annual median performance gap return between participants that had help and participants that did not have help was 3.32%, net of fees over the period 2006–2012. This difference can have a meaningful impact on wealth accumulation over time. For a 45-year old participant that seeks the help of a financial professional it could translate to 79% more wealth at age 65.3.”

Download Our 401(k) Program Brochure