401(k) Investment Strategy | Genesis Wealth Advisor

Get Help With the 401(k) You Already Have

Your workplace 401(k) may be one of your largest retirement assets. We help employees review, coordinate, and when available, manage their 401(k) while keeping the plan at work.

Find out what’s possible with my 401(k)

Most employees set their 401(k) contribution once during open enrollment and never revisit it. But a 401(k) investment strategy is not a one-time decision. Your target retirement date, your income, your risk tolerance, and the fund options inside your plan all shift over time — and your allocation should shift with them. If you have not reviewed your investment mix, your contribution rate, or your fund lineup in the last year, there is a good chance your strategy is working against you without making a sound.

Genesis Wealth Advisor Group works with 401(k) participants to build and maintain a personalized investment strategy that fits where you are now and where you are going — not just the default selections your HR department set up on day one.

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

Can a Financial Advisor Help With My 401(k) While I’m Still Working?

In many situations, yes, but the details matter. Depending on your employer’s plan, recordkeeper, investment lineup, account access, and available advisory options, Genesis Wealth Advisor Group may be able to help you review, guide, or professionally manage your individual workplace 401(k) account while you continue working and contributing.

You may not need to roll over your 401(k) or wait until retirement to get help. Our role is to help you understand what is possible inside your specific plan and whether your current 401(k) strategy still fits your goals.

Not every financial advisor can provide the same level of help with an active workplace 401(k). Some advisors may only be able to provide general education or broad allocation guidance. Others may have access to advisory platforms that can work within certain employer retirement plans and accept the appropriate fiduciary responsibility for the participant account.

That distinction matters. Guidance, investment education, and professional management are not the same thing. We help you determine which options may be available within your plan before recommending a path forward.

"Three straight years of double-digit growth is good news. But record hardship withdrawals in a bull market tell me people aren't struggling with their investments — they're struggling with their overall financial picture. A well-optimized 401(k) is only one piece of that."

— Scott Jones BFA^™ CPFA^® CRPC^® RFC^®

Your 401(k) Deserves More Than Guesswork

Your 401(k) is probably one of your largest investment accounts. It may already hold more than your savings, your brokerage accounts, or even your home equity, and it grows with every paycheck. Yet many people spend more time picking a phone plan than reviewing how their 401(k) is being used.

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 understand what may be possible inside it, so your 401(k) can better support 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 current strategy still fits. Many employees choose their investments once and rarely revisit them, even as their income, risk tolerance, retirement timeline, and market conditions change.
Are 10–15 years from retirement and want to know if your workplace plan is on track. This is an important window to review your contribution rate, Roth versus pre-tax choices, catch-up opportunities, investment risk, and future retirement income needs.
Have changed jobs and left old 401(k)s behind. We can help you compare whether it may make sense to leave assets where they are, move them to a new employer plan, roll them to an IRA, or coordinate them with your broader retirement strategy.
Are earning more and want to take advantage of new 2026 catch-up and Roth rules. Higher earners and workers approaching retirement may have opportunities to increase savings, use catch-up contributions, or evaluate whether Roth contributions fit their long-term tax plan.
Want help understanding what can and cannot be done inside your current plan. Some workplace plans may allow outside professional management, while others may only allow broader planning guidance, education, or a target allocation framework.
Want your 401(k) coordinated with the rest of your financial life. Your workplace plan should not sit in a silo. It should work alongside your IRAs, taxable accounts, spouse’s plan, Social Security timing, tax strategy, and retirement income plan.

What Employer Plans Can We Help With?

Depending on the plan, recordkeeper, and available advisory access, we may be able to provide professional management, planning guidance, or education for participants at employers such as:

Technology & Communications

Apple (Cupertino, CA), Adobe (New York, NY), Oracle (Austin, TX), SAP America (Newtown Square, PA), Siemens (Iselin, NJ), Google (New York, NY), T‑Mobile (multiple NJ locations), AT&T (Bedminster, NJ), Nokia (Murray Hill, NJ), Lumen Technologies (Newark, NJ / South Brunswick, NJ / Philadelphia, PA), Comcast (Philadelphia, PA), Visa (New York, NY), Sharp Electronics (Mahwah, NJ), Samsung Electronics (Ridgefield Park, NJ), IEEE (Piscataway, NJ)

Aerospace, Defense & Manufacturing

Lockheed Martin (Moorestown, NJ), Northrop Grumman (Falls Church, VA), L3Harris (Melbourne, FL), BAE Systems (Totowa, NJ), Amentum (multiple NJ locations), General Motors (Langhorne, PA), Honda (Mount Laurel, NJ), Subaru of America (Camden, NJ), BMW of North America (Woodcliff Lake, NJ), Caterpillar (York, PA / San Diego, CA), John Deere (Kernersville, NC / Lathrop, CA / Dallas, TX), Saint-Gobain (Malvern, PA), WL Gore (Newark, DE), Bridgestone, Michelin, 3M, Rockwell Automation (Edison, NJ)

Healthcare & Hospitals

Atlantic Health System (Morristown, NJ), Penn Medicine (Philadelphia, PA), Children's Hospital of Philadelphia (Philadelphia, PA), Albert Einstein Healthcare Network (Philadelphia, PA), Trinity Health Mid-Atlantic (Darby, PA), Kaiser Permanente (Oakland, CA), CommonSpirit Health (Los Angeles, CA), Ascension Health (Austin, TX), Tenet Health (Dallas, TX), Advocate Health (Charlotte, NC), United Healthcare (Horsham, PA), Cleveland Clinic (Weston, FL), Mayo Clinic (Jacksonville, FL)

Colleges & Universities

Princeton University (Princeton, NJ), Villanova University (Villanova, PA), Drexel University (Philadelphia, PA), Temple University (Philadelphia, PA), University of Pennsylvania (Philadelphia, PA), University of Delaware (Newark, DE), University of Texas (Austin, TX), University of North Carolina (Chapel Hill, NC), University of Florida (Gainesville, FL), California State University (statewide, CA)

Transportation & Logistics

FedEx (Barrington, NJ / Delanco, NJ), UPS (Lawnside, NJ — most plans), American Airlines (Fort Worth, TX), Delta Air Lines (New York, NY)

Energy & Industrials

PSE&G (Newark, NJ), Jersey Central Power & Light (Morristown, NJ), Chevron (Houston, TX), Duke Energy (Charlotte, NC), Shell (Houston, TX)

Government & Municipal

State of Delaware — 457(b) / 401(a) Plans (Dover, DE), Pennsylvania State Employees' Retirement / Deferred Compensation 457(b) (Harrisburg, PA)

Financial Professional & Legal

Capital One (McLean, VA), Mastercard (Purchase, NY), Truist (Charlotte, NC), AON (Philadelphia, PA), Day Pitney LLP (Parsippany, NJ), Anthem (Richmond, VA)

Pharmaceutical & Life Sciences

Merck (Kenilworth, NJ), Sanofi (Bridgewater, NJ), Eli Lilly (Branchburg, NJ), McKesson (Irving, TX), Medtronic

Industrial & Consumer Goods

Cargill (multiple locations), Koch Industries (multiple locations), Nestlé (Arlington, VA), Home Depot (Philadelphia area, PA/NJ), PepsiCo (Philadelphia, PA / Claymont, DE)

Don’t see your employer on this list? We work with many major employer retirement plans. Contact us and we’ll help you understand what may be 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.

See How We Can Help

1 in 4 employees misses the full employer 401(k) match — leaving $1,000 or more in free money unclaimed every year.³

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.

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. Depending on your employer’s plan, recordkeeper, and available advisory access, we may be able to professionally manage your individual 401(k) account while you continue working and contributing. If management is not available, we can still provide education, planning guidance, and a target allocation framework to help you understand how your workplace plan fits into your broader retirement strategy.

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

Not necessarily. In many cases, the first step is determining whether your existing workplace plan can be professionally managed or incorporated into your broader retirement strategy. We review what is possible under your specific plan before discussing whether a rollover or other option should be considered.

What if my employer’s 401(k) does not allow outside management?

Not every plan allows outside advisory management. If your plan does not allow it, we can still help you understand your broader retirement picture, contribution strategy, future rollover options, and how your 401(k) may fit with your other accounts, Social Security, and retirement income goals. We can also provide education on how to evaluate the choices available in your plan and discuss a target allocation framework as a guide.

Can you help me review my 401(k) investments?

Yes, but the type of help depends on your plan and the advisory arrangement available. If your 401(k) is eligible for professional management, we may be able to manage the account directly. If not, we can help you review the plan at an educational and planning level, including how to think about risk, diversification, contribution strategy, and a target allocation guide.

Should I roll over my 401(k) when I leave my employer?

Maybe, but not automatically. When you leave an employer, we help you compare your available options, including leaving assets in the plan, moving them to a new employer’s plan, rolling them to an IRA, or considering Roth conversion strategies. Costs, investment options, creditor protections, tax considerations, and your retirement plan all matter.

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

Our fees are transparent and depend on the type of engagement, whether the account can be professionally managed, and the broader planning work involved. We explain your options clearly before you decide whether to move forward.

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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¹ Fidelity Q4 2025 Retirement Analysis
² Dayforce 2026 State of Retirement Savings Report / Vanguard 2025
³ Fidelity 2025 Retirement Insights

Date Updated: May 27, 2026

Is Your 401(k) Investment Strategy Set Up for the Retirement You Want?