01
Risk-tolerance questionnaire
A short questionnaire establishes your comfort with market risk and your timeline to retirement. Five minutes, no jargon.
401(k) Optimizer®
Get professional guidance on the 401(k) you already have.
The 401(k) Optimizer® is a complimentary, web-based tool from Wealth Watch Advisors that reviews your company-sponsored plan — 401(k), 403(b), 457, or TSP — and recommends an allocation based on your goals and risk tolerance.
The problem
Most people never get advice on the biggest asset they own.
Many individuals spend their entire careers contributing to a company-sponsored retirement plan — and never receive any guidance on how to actually invest the money inside it. The plan is opened on day one of a new job, a default fund is selected by payroll, and contributions auto-pilot for the next two or three decades.
Outside of Social Security and any pension, that account is usually the single largest source of retirement income a household will have. Yet because it sits inside an employer’s plan, it is almost always self-directed by default — with no advisor and no plan-specific allocation review.
How it works
Three steps from sign-up to recommendation.
02
Personalized allocation
The tool reads the funds actually available inside your specific employer plan and recommends an allocation matched to your profile — not a generic model.
03
Ongoing rebalance alerts
When market conditions or your plan’s fund menu change, the Optimizer alerts you. You log into your employer’s 401(k) portal and make the changes yourself.
Downside protection
Built on the HCM-BuyLine®.
The Optimizer is powered by the HCM-BuyLine®— a rules-based, mathematical trend indicator developed by Howard Capital Management to help calculate trends in the broader market. The BuyLine helps take emotion and guesswork out of the decision.
When market conditions deteriorate, the indicator can signal a move toward more defensive options inside your plan — cash equivalents, stable-value, or lower-risk funds where available. When conditions improve, the signal shifts back. The math is the same for every account.
- Rules-based, not discretionary
- Built by Howard Capital Management
Who the Optimizer is for
Built for people who can’t move their money.
The Optimizer was designed for the millions of employees with a real balance inside an employer plan they cannot or do not want to roll out.
Employees with a self-directed plan
If your employer plan is a 401(k), 403(b), 457, or TSP and the fund choices are yours to make, the Optimizer is built for you.
- Any employer size — large enterprise to small business
- Plan does not have to be administered by WWA
People who have never had it reviewed
A meaningful retirement balance, no advisor involved, and a default fund that nobody has looked at since onboarding. The Optimizer fixes that.
- No prior allocation review required
- Five minutes to a recommendation
Second-opinion seekers
You don’t want to move your money or sign on for full advisory services — you just want a credible second look at how it’s allocated. That’s exactly what the tool delivers.
- Free, no obligation, no asset transfer
- Talk to a person if and only if you want to
Where the Optimizer ends
And where advice begins.
The Optimizer is a tool. A useful one — but it answers exactly one question: how should the money already inside your employer plan be allocated?
A full Wealth Watch Advisors engagement is a different conversation. It covers retirement planning, tax coordination, rollover strategy when you change jobs, taxable accounts, estate documents, and the other moving pieces of a household balance sheet. If the Optimizer surfaces questions the tool can’t answer, the secondary CTA is there.
Getting started
Register in a few minutes.
- 1Click "Get my free Optimizer access" — opens the partner registration page in a new tab.
- 2Create an account with your name and email.
- 3Enter the holdings inside your employer plan (or upload a recent statement).
- 4Answer the short risk-tolerance questionnaire.
- 5Receive your recommended allocation, with rebalance alerts going forward.
Common questions
What people ask before they register.
Yes. Through our partnership with Howard Capital Management, the Optimizer is provided at no cost to retail users.
No. The Optimizer recommends an allocation; you log into your employer’s 401(k) portal and make any changes yourself. WWA does not custody, control, or trade your employer-plan account.
Self-directed 401(k), 403(b), 457, and TSP plans. The tool can read the fund menu inside most employer plans.
The Optimizer provides allocation guidance based on the funds available inside your employer plan and the risk tolerance you indicate. It is not a comprehensive financial plan. For full planning, talk to a WWA advisor.
The tool only recommends from the fund options actually available inside your specific plan. If your menu is narrow, the Optimizer works with what is offered.
Yes. The Optimizer is intentionally self-serve, but a WWA advisor is always available for a planning conversation that goes beyond the employer plan.
Take the next step
Get a real allocation for your employer plan.
Five minutes to register. A recommendation built from the funds inside your specific plan. No cost, no asset transfer, no obligation to ever speak with an advisor.
855-822-3708Mon–Fri, 7:30 AM – 3:30 PM MST
The 401(k) Optimizer® is a service of Howard Capital Management. Recommendations are based on the investment options available inside your employer plan and the risk tolerance you indicate. The tool does not guarantee investment performance and is not a substitute for comprehensive financial planning.
Explore more
Related at Wealth Watch.
The 401(k) Optimizer® and HCM-BuyLine® are registered marks of Howard Capital Management. Recommendations generated by the tool are based on the funds available inside the user’s employer plan and the risk tolerance the user provides; they are not a guarantee of investment performance. Information on this page is educational and does not constitute tax, legal, or investment advice. Consult with a Wealth Watch Advisors advisor before making material changes to your retirement plan.