401(k) Help for Employees | Marlton, NJ Advisor

401(k) balances rose more than 11% in 2025 — the third straight year of double-digit growth.¹ Yet loan use from retirement accounts is now 20% higher than in 2022, and 6% of participants made hardship withdrawals last year — a record high.²

Your 401(k is probably your largest investment account. It may already hold more than your savings, your brokerage accounts, or even your home equity — and it grows with every paycheck. Yet most people spend more time picking a phone plan than picking their 401(k investments.

At Genesis Wealth Advisor Group in Marlton, New Jersey, we provide individual 401(k) guidance for employees at major employers across the country. You keep your plan at work. We help you make smarter decisions inside it — so your 401(k) actually supports the retirement you’re working so hard for.

Get Help With Your Plan Today!

Find out if we can add management to your 401(k) plan by clicking the button below.

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This Service Is A Good Fit If You:

Have a 401(k), 403(b), or 457(b) at a large employer and aren’t sure if your investments are appropriate.
Are 10–15 years from retirement and want to know if your current 401(k) strategy will get you there.
Have changed jobs and left old 401(k)s behind.
Are earning more and want to take advantage of new 2026 catch-up and Roth rules.

Employers We Can Help

We can add professional management or guidance to your individual 401(k) account as a participant at employers such as:

Technology & communications: Apple, Adobe, Oracle, SAP, Siemens, Google, T‑Mobile, AT&T, Nokia, Lumen Technologies, Comcast, Visa.

Aerospace, defense & manufacturing: Lockheed Martin, Northrop Grumman, L3, General Motors, Caterpillar, John Deere, Bridgestone, Michelin, 3M, Rockwell Automation.

Healthcare & hospitals: Kaiser Permanente, CommonSpirit Health, Ascension Health, Tenet Health, Advocate Health, Trinity Health, Adventist Healthcare, United Healthcare, Cleveland Clinic, Mayo Clinic, Children’s Hospital of Philadelphia.

Universities: University of Texas, University of Pennsylvania, University of North Carolina, University of Florida, California State University.

Transportation & logistics: FedEx, UPS (most plans), Delta Air Lines, American Airlines.

Energy & industrials: Chevron, Duke Energy, Shell.

Financial & corporate: Capital One, Mastercard, Truist, Eli Lilly, Medtronic, McKesson, Anthem.

Retail & consumer: Home Depot, Nestle.

Don’t see your employer on this list? We work with most major employer retirement plans. Contact us and we’ll let you know what’s possible with your specific plan.

What We’ll Help You With

Reviewing your current investments. We look at the funds available in your plan, your current allocation, and whether it matches your age, risk tolerance, and goals.

Choosing an appropriate mix. Using only the funds your plan offers, we recommend a diversified allocation tailored to your situation — not a one‑size‑fits‑all model.

Optimizing contributions. We help you decide how much to contribute, whether to use pre‑tax or Roth, and how to take advantage of new catch‑up and “super catch‑up” rules between ages 60–63.

Coordinating with the rest of your plan. Your 401(k) is part of a bigger picture. We align it with your IRAs, taxable accounts, spouse’s plan, Social Security timing, and long‑term tax strategy.

Helping with job changes and rollovers. When you leave an employer, we help you evaluate whether to keep assets in the old plan, roll to an IRA, move to a new 401(k), or consider Roth conversions.

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A Real‑World Example (Names Changed)

“Mark” is 52 and works for FedEx. He had more than $600,000 in his 401(k), all sitting in a single target‑date fund he chose 15 years ago. He wasn’t sure if that was still right with retirement about 10 years away.

We reviewed his plan options, his wife’s 403(b) at a local hospital, and their other savings. Together we adjusted his 401(k) allocation, increased his contribution to capture more of the new catch‑up limits, and built a coordinated retirement income plan so his 401(k) wasn’t just a big number on a screen — it became a clear future paycheck.

Get Help With Your 401(k) Today!

Every financial journey is unique. We're here to provide the guidance you need to pursue your personal financial goals.

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Related content: Read our blog post "The Market Is Screaming - Here's Why Your Brain Wants You to Do the Wrong Thing"

Common Questions

Can you help manage my 401(k) while I’m still working for my employer?

In many plans, yes. We can often be added as an advisor on your individual account, allowing us to review your investments and make recommendations while you continue working and contributing.

Do I have to move my 401(k) to work with you?

Not necessarily. In many cases, the best strategy is to improve how you use the plan you already have, rather than rolling it over right away. We walk through both options before making a recommendation and help you decide what is best for your situation.

What does it cost to get help with my 401(k)?

Our fees are transparent and based on the assets we manage and/or a planning engagement. We explain your options clearly before you decide whether to move forward.

¹ Fidelity Q4 2025 Retirement Analysis
² Dayforce 2026 State of Retirement Savings Report / Vanguard 2025

Published: February 1, 2026
Date Updated: April 19, 2026

Get Help With Your 401(k) — Even While You’re Still Working