401K Advice | Charlotte, Hickory, Raleigh NC & Rock Hill SC | Carroll Financial


For many people today, the money saved for retirement through a company sponsored 401(k) plan is their single largest retirement asset.

The world of 401(k) plans can be complex with differing plan rules and investment choices, and clients routinely approach us asking for help with making investment choices within their plan.

A couple of the most common questions we receive are:

How should I invest my 401(k)?

Choosing from the investment selections in your company 401(k) plan can be an intimidating task. Far too often we see individuals who pick the best performers or exhibit naïve diversification without knowing whether or not these investments are really the best options for them and their unique situation. So how do you know which option is best for you? You need to consider what your goals are and what each investment does.

How much should I contribute?

When choosing how much to contribute to your 401(k) you need to consider several factors such as:

  • Does your company match 401(k) contributions? If so, how much do they match?
  • What is your current tax bracket? What will your tax bracket be in retirement?
  • What is your current budget?
  • Do you have a rainy day fund?

How we can help?

Our goal at Carroll Financial is to make it simple. We will help you choose the investment allocation that best suits your long term objectives. We will also help you answer these types of questions to determine the right amount for you to contribute.

We can help any client make sound investment choices within their 401(k) regardless of account size or where the plan is held. Our process will ensure that you have an ongoing review of your account, timely recommendations that are aligned with your financial goals, and personal contact with your advisor to adapt and change as your life does. As is the case with everything we do, our primary goal with this service is to earn your trust by the keeping the focus on you, your family and your goals.

A coffee & a second opinion

We would like to offer you an honest, complimentary second opinion about your financial plan with an advisor you can trust.

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