AxxcessLINK lets advisors manage a client's 401(k) account inside the client's existing plan, on a discretionary basis, using the plan's own investment menu, then bill and report on it next to the rest of the household. For the business owners who sponsor those plans, it brings flat-fee recordkeeping, fee disclosures explained in plain terms, and the plan design and governance work a sponsor is responsible for.
Manage in-plan, on a discretionary basis, with your models or third-party SMA managers. Bill it, report it, and show it in the same portal as the client's private wealth.
What advisors get →Flat-fee recordkeeping, a plain reading of your 404(a)(5) and 408(b)(2) disclosures, and the plan design, provider search, and fiduciary governance a sponsor is accountable for.
What sponsors get →Most advisors either ignore the 401(k) or wait for a rollover. AxxcessLINK gives you a third option: manage it where it is.
Manage the client's 401(k) account inside the existing plan, on a discretionary basis, using the plan's investment menu. No rollover required, and no change to the client's employer relationship.
Calculate and bill your fee on the account and report performance alongside the client's other holdings, through the same billing and reporting engine that runs the rest of your practice.
Implement your own models or third-party SMA managers within the plan menu, so the strategy a client holds in their private wealth accounts is reflected in their retirement account too.
Retirement and private wealth accounts aggregate in one client portal and mobile app, so retirement income planning and retirement plan analysis work from the same live data.
The Department of Labor's PTE 2020-02 places documentation and best-interest requirements on rollover recommendations. Managing inside the plan means your advice is about the investments, with no rollover to recommend.
The rollover question stops being the only path to the accountIf a plan's investments need to change, the plan does not have to move. Advisors work within the menu, and sponsors can address the menu separately with the plan services below.
For many households, the retirement account is the largest single asset and the one an advisor sees least. When it is managed inside the plan, the advisor's allocation applies to the whole household, the client sees one picture, and the conversation about a rollover, if it happens at all, can happen on its merits and on its own timeline.
See it in a demoSponsoring a plan makes you a fiduciary. AxxcessLINK gives business owners the recordkeeping structure, the analysis, and the process to carry that responsibility well.
Recordkeeping is charged as a flat fee per participant, not as a percentage of assets. Participants pay the same amount regardless of account size, and costs stop rising simply because balances grow.
The 404(a)(5) disclosure participants receive and the 408(b)(2) disclosure you receive are long and hard to read. We translate them into a plan analysis that shows what the plan pays, to whom, and for what.
Design, installation, and ongoing management of the plan; provider searches and RFPs for recordkeepers, custodians, and administrators; fee benchmarking against comparable plans.
Fi360 diligence and plan analytics, 3(21) and 3(38) fiduciary guidance, investment policy statement drafting, committee governance, and 404(c) participant education, documented so the process can be shown.
Defined benefit and cash-balance plan design, qualified and non-qualified plan advisory, and executive compensation structures for recruitment, retention, and short- and long-term incentives.
Planning tools that project and stress-test retirement income, aggregation of outside accounts, and an optional self-directed brokerage window for participants who want investments beyond the core menu.
Investment oversight for the plan menu can be provided through the outsourced chief investment officer service.
Mariah works with advisors setting up in-plan management for their clients and with plan sponsors reviewing costs, design, and governance. She runs the plan analysis, coordinates recordkeeper and provider searches, and is the first call when a sponsor or an advisor wants to understand what a plan is paying and why.
Contact MariahYes, within the plan's own investment menu and subject to the plan's terms. AxxcessLINK provides the connection, the trading, and the reporting; you set the allocation using your models or third-party SMA managers. The account stays in the plan and the client's employer relationship is unchanged.
Fees are calculated and billed on the managed plan account through the same billing engine that runs your other accounts, and disclosed to the client alongside the rest of their fee schedule. Billing method and frequency follow your firm's existing arrangements on the platform.
PTE 2020-02 sets documentation and best-interest standards for rollover recommendations. When the account is managed inside the plan, no rollover is being recommended, so the advice concerns the investments rather than the transfer. If a rollover later makes sense on its merits, it can be evaluated and documented at that time.
The recordkeeper charges a fixed amount per participant rather than a percentage of plan assets. Participants with larger balances no longer pay more for the same service, and the plan's recordkeeping cost stays predictable as assets grow. Our plan analysis shows the difference against your current structure in plain terms.
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