Do You Feel Confident Managing Your 401(k)?
By The Otto Group at Hightower on September 1, 2026
If not, your plan may allow for a professional advisor to manage it.
Want to know whether your 401(k) can be professionally managed through a PCRA or BrokerageLink account? Request a second opinion: https://hubs.li/Q04vB7Qr0
Your 401(k) may be one of your largest assets—but is it actually being managed as part of your overall financial plan?
Many employer-sponsored retirement plans offer a self-directed brokerage option, often called:
• PCRA through Charles Schwab
• BrokerageLink through Fidelity
If your plan allows it, these accounts may give you access to a broader investment universe than the standard menu of target-date funds and mutual funds. Some plans may also permit you to appoint an independent financial advisor to professionally manage the account.
That can help coordinate your 401(k) with:
• Your other investment accounts
• Your risk tolerance and time horizon
• Company stock exposure
• Retirement-income planning
• Your broader financial goals
The money stays inside the 401(k). You are simply using a different investment window within the plan.
Not every employer offers this feature, and the investment choices, fees and ability to use an advisor vary by plan. Check your benefits portal or ask HR whether your plan offers a “self-directed brokerage account,” “PCRA” or “BrokerageLink.”
You may have more options inside your 401(k) than you realize.
Joe Levine, CEPA®
Wealth Strategist | Private Wealth Advisor
T | (941) 203-7206
C | (404) 441-8654
E | jlevine@hightoweradvisors.com
Wondering if your financial plan is still aligned with your goals?
Request a complimentary review through our Second Opinion Service.
The Otto Group is a group comprised of investment professionals registered with Hightower Advisors, LLC, an SEC registered investment adviser. Some investment professionals may also be registered with Hightower Securities, LLC (member FINRA and SIPC). Advisory services are offered through Hightower Advisors, LLC. Securities are offered through Hightower Securities, LLC.
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