401k Planning

Q: Who is this best fit for, or who do you serve?

This service is designed for professionals, executives, and employees who want to make more intentional decisions with their workplace retirement plan. We often help employees from Toyota, Nissan, Ascension Saint Thomas, and many other employers who want to better understand their 401(k), evaluate their investment options, and see how their workplace benefits fit into a larger financial plan.

Q: Can you help if I have old 401(k)s from previous employers?

Yes. We can help you review old retirement accounts and determine how they fit into your current financial plan. In some cases, it may make sense to keep them where they are, consolidate them, or explore other options depending on your goals, fees, investment choices, and retirement timeline.

Q: Is this only for people close to retirement?

No. This service can be helpful for employees in their peak earning years, executives preparing for retirement, and those who are already thinking about how to turn savings into future income. The earlier your 401(k) is aligned with your larger plan, the more intentional your decisions can become over time. Learn more about who we serve.

Workplace Wealth Optimization

A strong career deserves more than a default strategy.

For many executives, the 401(k) is one of the largest wealth-building tools available, but it is often left to default settings, limited menus, or old decisions that no longer match life today.

As retirement gets closer, the question becomes whether your workplace plan is truly aligned with your income needs, tax picture, and long-term vision. These are the kinds of concerns we often help clients think through:

Not knowing if your current 401(k) allocation still fits your goals

Feeling unsure about how much risk you are taking

Wondering if your plan offers more options than you realize

Leaving your 401(k) on autopilot for too long

Being limited by standard investment menus

Missing opportunities inside a Self-Directed Brokerage Account

Build a smarter path from paycheck to retirement.

Your 401(k) should be more than a balance you check once in a while. We help you understand your options, evaluate your strategy, and connect your plan to the bigger picture of your wealth.

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The Intentional Planning Process

Your financial plan should not begin with products, projections, or assumptions. It should begin with your vision. Through The Intentional Planning Process, Doug helps bring clarity to your full financial picture, then builds and adjusts a coordinated plan that supports the life, retirement, and legacy you want to create.

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We begin by understanding what matters most to you, where you are today, and what you want your wealth to make possible. Whether you are preparing for retirement, building toward future goals, or navigating a major transition, your vision becomes the foundation for every recommendation that follows.

This first conversation is also where Doug begins acting as your quarterback, building a complete picture of who serves you today and where coordination across your professional team can create more value.

A plan only works when it is implemented. We coordinate directly with your CPA, estate planning attorney, and other specialists so each part of the plan moves forward together. We prioritize the next steps, communicates across your team of professionals on your behalf, and keeps every action aligned with the broader strategy. This can include adjusting investments, opening or consolidating accounts, reviewing insurance options, refining withdrawal strategies, updating beneficiaries, or improving tax efficiency.

Financial planning is an ongoing relationship. Your life, goals, markets, tax laws, and family needs evolve over time. Doug continues to quarterback your financial picture through regular reviews, ongoing communication with your other professionals, and adjustments that keep every decision aligned with your vision. You stay focused on what matters most while your plan stays current with your life.

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What could change if your 401(k) had a clearer strategy?

Intentional Wealth Planning helps high-earning employees make sense of their 401(k) options with a clear, thoughtful planning process rooted in your goals, risk tolerance, and long-term vision. Instead of treating your workplace plan as a separate account, we help you evaluate how it fits into your broader financial life, including retirement income, taxes, investment strategy, and legacy planning.

Your 401(k) becomes easier to understand and more connected to the future you are working toward. You can make decisions with greater clarity, knowing each choice has a purpose within your overall plan.

Your workplace plan is aligned with your retirement goals

Investment choices are reviewed with your full strategy in mind

Available options, including SDBA opportunities, are explored thoughtfully

Your 401(k) works alongside your tax, income, and wealth planning strategy

Locations

Brentwood, TN

9020 Overlook Blvd, Ste 310
Brentwood, TN 37027

888-688-4097

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Virtual

Meet with Doug virtually.

Schedule Zoom Conference

Take the next steps.

Taking the next step is simple and pressure-free. We’ll listen, answer your questions, and guide you from there.

1

Start with a Conversation

Schedule a simple introductory call where we learn about your goals, your concerns, and what prompted you to explore planning.

2

Gain Clarity on Your Situation

We walk through your current financial picture together, helping you better understand how everything fits and where opportunities may exist.

3

Decide How to Move Forward

If it feels like the right fit, we begin building your personalized plan and guide you step by step with ongoing support.

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Frequently Asked 401K Questions

What is a Self Directed Brokerage Account (SDBA)?

Over the past several years, many employers have enhanced their retirement plans to include a brokerage window opportunity so that plan participants have more choice and greater flexibility with their retirement investments. This option, known as the Self-Directed Brokerage Account (SDBA), exists in 401(k), 403(b), or 457 plans where participants from Toyota, Nissan, and Ascension St. Thomas and many other employers have access to professional management, stocks, bonds, mutual funds and ETFs.

How do SDBAs work?

Plans that offer the SDBA option provide opportunities for employees to take full control of their current retirement account by linking it to the existing Core account. The Core account refers to the retirement account through the employer that offers limited, pre-selected investment choices. In doing so, participants expand the range of investment choices beyond the Core plan investments and have access to broader components of the market. Not all plans offer this option.

While SDBAs are underutilized, this option may be a good option for investors who feel comfortable managing their own risk or working with a professional investment advisor.