Broker Check

Plan Options

Our first priority is helping you take care of yourself and your family. We want to learn more about your personal situation, identify your dreams and goals, and understand your tolerance for risk. Long-term relationships that encourage open and honest communication have been the cornerstone of my foundation of success.

  • What is 401(k) Optimizer?

    401(k) Optimizer is an add-on tool that provides investment allocation recommendations tailored specifically to your current employer plan.

    It is important to note that these are recommendations only -- reallocations can only be made by you.

  • Who is it for?

    Individual employees who currently have a 401(k), 403(b), or 457 employer-sponsored plan. 

  • Why do investors use it?

    This is a data-driven tool, providing another level of customization to your current employer plan. 

    You do not need to be a Sunrise client in order to start using 401(k) Optimizer.

  • What is the cost?

    Interested? Email us for the promo code to get started today.

    If you love it and decide to keep it after your trial is over, plans are $9/month. No obligation. No hidden fees.

  • What is a SDBA?

    A self-directed brokerage account (SDBA) is a way for you to gain access to investment flexibility outside of your pre-selected plan options. Funds remain within your existing plan. Reallocations are made through a third-party active management platform.

  • Who is it for?

    Depending upon your plan sponsor, you may be eligible to invest up to 100% of your current employer plan into an SDBA - if you so choose.

  • Why do investors use it?

    SDBAs allow an investor access to active trading strategies through a third-party platform manager. 

  • What type of SDBA model do you use?

    We partner with Howard Capital Management because they specialize in volatile markets. Howard Capital Management utilizes quantitative models and its signature stoploss risk management tool, the HCM BuyLine®.

  • What is the cost?

    1.25% inclusive of all HCM fees for an actively-managed account.

  • What is an in-service distribution?

    An in-service distribution occurs when an employee transfers part or all of his or her current employer plan's 401(k) balance to a new or existing IRA account.

  • Who is it for?

    Depending upon your plan sponsor, you may be eligible to complete an in-service distribution for up to 100% of your current employer plan - if you so choose.

  • Why do investors use it?

    You get to choose which investments make up your portfolio instead of being restricted by the pre-set options made available by your plan sponsor. 

    Unsure about how to reallocate after an in-service distribution? We have a team of experienced professionals who can assist with determining best-fit allocation options.

  • What is the cost?

    As long as you check with your plan sponsor, there should not be a fee associated with an in-service distribution.