David Latch - 401k Maneuver
Employees at these companies hired 401(k) Maneuver™:

What inspired 401(k) Maneuver™?


Maneuver…A movement requiring skill and care

The 401(k) Maneuver™ team is passionate about disrupting the workplace retirement plan industry for you. For far too long, you may feel like you have been treated as a pawn and have not had the right tools to help you. You may have suffered a feeling of being disconnected with your money and hopeless you could tip the scales in your favor.

401(k) Maneuver™ understands your feelings like….

  • the stress over how to choose your 401(k) investments
  • having no control over your retirement success
  • frustrated by the lack of good education available
  • intimidated by financial jargon and financial advisers
  • my account balance is too small to get professional help

401(k) Maneuver™ was created to help every American eliminate these feelings. You deserve to have the greatest opportunity for a secure and fulfilling retirement without needing an advanced degree in investing.

Our mission is to help America’s employees improve their 401(k) account performance and, better protect their account from downside risk during the tough times.

will…

  • send you Quarterly Allocation Recommendations to guide you to the proper investments based on your risk tolerance and current market conditions
  • give you control over your retirement future
  • educate through a regular online education program
  • use easy to understand language – no investment jargon
  • help you make the right moves with skill and care

Get Your 401(k) Maneuver™ power pack here

Your Goal: Manage downside risk and improve performance

Your privacy is always safe with us.

The 401(k) Maneuver™
Power Pack will help you learn

  • How you may optimize your account performance
  • To manage downside risk during the tough times
  • Why it is simple and easy

What you will receive

The 401(k) Maneuver™ Guide

  • Learn the one habit used by successful 401(k) investors
  • Learn how you may increase your account performance
  • Discover the value of downside risk management

Must Read Retirement Guides

  • How to Supercharge your 401(k)
  • The Love/Hate 401(k) Relationship
  • The 5 401(k) Mistakes

Videos

  • 401(k) Opportunity Video
  • “Man on the Street” Video
  • And many more….

Get Your 401(k) Maneuver™ power pack here

Your Goal: Manage downside risk and improve performance

Your privacy is always safe with us.

Do You Stay Awake at Night Worrying Your 401(k) Could Become a 201(k)?

Have you ever been worried that one world event, one change in economic policy, one missed earnings report, or one bad tweet could turn your 401(k) into a 201(k) again?

If you’re not actively engaged with your 401(k), you are essentially putting your retirement funds in an unguarded bank. This puts you at bigger risk for loss!

“You shouldn’t have to feel like your retirement dreams are entirely at the mercy of forces you can’t control. Because the truth is, they are not.”

To safeguard your retirement savings and minimize your downside risk, you would need to be aware of the economic warning signs and know how to rebalance your 401(k) by properly allocating your assets regularly.

You can take charge of your 401(k) account and minimize your downside risk with proper asset allocation through quarterly rebalancing. We will send you Quarterly Allocation Recommendations privately via email every quarter so you have the opportunity to sleep peacefully.

Target Date Funds are Actually Riskier Than Many People Perceive.

Increase Your Chances of Having The Largest Possible 401(k) Account

A May 2014 study over a 6-year period comparing those who had Help with managing their 401(k) and those who did not, revealed:

“On average, the median annual returns for participants in the study who got Help were more than 3% (332 basis points, net of fees) higher than people who didn’t get Help.” *

401(k) Calculator Powered by 401(k) Maneuver™

See how professional help may improve your retirement future

Put in your 401(k) account balance, a rate of return and a time period. Click “calculate”.

Account Balance:

(Enter Numbers Only)

Interest Rate(%):

No. of Years:

See the hypothetical potential of an additional 3% compounded growth for the time period you have selected.

Account Balance:

See the Potential Difference of 3% More?

Estimate Your Monthly Cost

401(k) Maneuver™ may pay for itself over time and create a more fulfilling retirement

Simply input your current 401(k) account balance to see your monthly credit card payment

Account Balance:

CALCULATE

When it comes to growing your retirement account, you have three options:

Close your eyes and hold on

In today’s fast-paced world, it can be difficult to accomplish everything you already have on your To-Do list. So, why add the stress of worrying about what you should or should not be doing with your 401(k) account?

Going it alone

There are plenty of resources out there for investors. You can figure out your own system and see how it works. There are two key questions to ask.

  • Do you have the time to figure it out?
  • Can you afford the cost of the errors during a “trial and error” approach?

Enroll in 401(k) Maneuver™

Many people are taking advantage of the recommendations provided by 401(k) Maneuver™ that may help to optimize their workplace retirement accounts. It is designed with busy people in mind, so it is incredibly efficient.

By receiving your Quarterly Allocation Recommendations, privately via email, you can have clarity about what to do and the confidence to go for it. The two primary objectives of 401(k) Maneuver™ are to improve your account performance and better manage downside risk when times are tough.

Get Your 401(k) Maneuver™ power pack here

Your Goal: Manage downside risk and improve performance

Your privacy is always safe with us.

An innovative way to take back
control of your 401(k)

Discover a brand new approach to investing your
workplace retirement plan account.

Discover a brand new approach to investing your workplace retirement plan account.

You can increase your chances of having more money during retirement by making investment choices with skill and care. Retirement investing does not have to be like throwing darts at a dartboard while blindfolded.

You do not have to settle for retirement “staycations” because of poor investment performance or poorly managed investments.

You may travel and enjoy the retirement vacations of your dreams with the help of 401(k) Maneuver™!

In order to supercharge your 401(k), you should ideally start with the following three tips:

Quarterly
Rebalancing

When it comes to the market, we all know that the only constant is change. So, the stock or mutual fund that you chose last year – or even last quarter – may or may not necessarily still be going in the right direction for you. But having an expert take a look at your account on a quarterly basis, and rebalancing when necessary, can keep you on course, both now and down the road.

Avoiding TDFs
(Target Date Funds)

Many companies’ 401(k) plans will use Target Date Funds, or TDFs, as their go-to, or “default” option. That’s because TDFs will automatically reallocate as you move through different life stages. But, who ever said that a one-size-fits-all investment works well for everyone? The reality is that Target Date Funds will often underperform and do not do a good job of managing downside risk during tough markets. Is that a risk that you want to take with your retirement assets?

Getting
Independent Advice

In most cases, employers “help” their 401(k) plan participants by handing them a brochure that goes over their investment alternatives. But that’s about as far as it goes. So, it’s likely that most – or all – of your 401(k) investments weren’t very well researched before they were chosen for your account. Imagine, though, if each and every dollar in your 401(k) account was invested, based on a strategy that was developed for your specific goals and objectives. That’s what getting independent advice can do.

Get Your 401(k) Maneuver™ power pack here

Your Goal: Manage downside risk and improve performance

Your privacy is always safe with us.

But I don’t know how to make the right investment choices, I am confused!

Confidently make the right choices.

When it comes to deciding how to make your best 401(k) investment choices, you may hate the idea of making these decisions on your own.

Is it possible to work full time, understand investing and follow the constantly changing stock market?

No wonder people are confused! In fact, many people are so confused they do not make changes to their workplace retirement accounts for years!

While the balance in a 401(k) plan is often your biggest asset, in most cases, when the time comes to choose the best 401(k) investments, employees are typically just handed a brochure, with little or no additional guidance.

In today’s fast-paced world, it can be difficult to accomplish everything you already have on your To-Do list. So, why add the stress of worrying about what you should or should not be doing with your 401(k) account?

Instead, partner with experts who have your best interest in mind and, who are not paid commissions based on the investment allocation strategy you choose.

At 401(k) Maneuver™, we sit on your side of the table.

Get Your 401(k) Maneuver™ power pack here

Your Goal: Manage downside risk and improve performance

Your privacy is always safe with us.

It is possible to find trustworthy independent advice

It is time to reshape the way you think about the advice that is available to you.

Reshape the way you think about the advice that is
available to you.

Investment advice comes in many forms but, not all advice is the same. However, the investment advice of a Fiduciary is provided without bias and conflict of interest.

You may benefit when working with an adviser who is a client first, fee based, independent fiduciary. They do not receive commissions which could cloud their judgement.

A Fiduciary is required to act in good faith from both a legal and ethical perspective.

A fiduciary must do their best to ensure that the advice they provide is made using complete and accurate information. A fiduciary duty provides you the highest standard of care.

Unfortunately that is not always the case

Target Date Funds (2020, 2030, 2040 funds), for example, are extremely popular and are often the default enrollment option, but may not meet the fiduciary standard.

Everyone has different goals and objectives. There is no one-size-fits-all way to invest your 401(k) account.

401(k) Maneuver™ provides guidance, as a fiduciary, on how to better utilize all the investment options available in your workplace retirement plan.

Would you answer the same way others did?


Take back Control of Your 401(k)

401(k) Maneuver™ can help you regain control over your 401(k) by sending you Quarterly Rebalancing Recommendations, with the goal of increasing your account performance and protecting it from downside risk!

There is no need for awkward meetings with investment sales people. Each independent, fiduciary-based report is created based on current market conditions and your risk tolerance, delivered privately to your email.

Optimizing your workplace retirement account each quarter with independent advice has never been easier!

401(k) Maneuver™ can potentially impact your life savings by helping you move:

  From

Apathetic about your 401(k)
Embarrassed Not Knowing What To Choose
Frustrated With Your Retirement Future

To  

Engaged with your 401(k)
Confidently Making The Right Choices
Optimistic About Your Retirement Future

TO ENROLL TODAY: COMPLETE THE FORM BELOW

Your Goal: Manage downside risk and improve performance

Your privacy is always safe with us.

Contact Us

David Latch

David Latch

178 Thomas Johnson Drive, Suite 204
Frederick, MD 21702

301-662-6126 ext 100

David@FredAdv.com

401(k) Maneuver™ is offered by Royal Fund Management, LLC, which is registered as an investment adviser with the SEC and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser has attained a particular level of skill or ability.

All investment strategies have the potential for profit or loss. Changes in investment strategies, contributions or withdrawals, and economic conditions may materially alter the performance of your portfolio. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for a client's investment portfolio. There are no assurances that a client’s portfolio will match or outperform any particular benchmark. Asset allocation and diversification do not ensure or guarantee better performance and cannot eliminate the risk of investment losses.

Images and photographs are included for the sole purpose of visually enhancing the website. None of them are photographs of current or former clients. They should not be construed as an endorsement or testimonial from any of the persons in the photograph.

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