401(K) PLANS

Helping clients maximize the benefits of their 401(k) plan accounts is an essential part of Vista's wealth management services. Because of their inherent tax advantages, 401(k) accounts can be used to hold a portfolio's most tax-inefficient investments, such as fixed income and REITs.

Combining clients' 401(k) plan accounts with their taxable and other retirement accounts in a "consolidated" portfolio also serves to keep transaction costs and taxes low, which maximizes after-tax returns.

When Vista is unable to manage a client's 401(k) plan account due to employer restrictions, we will provide guidance on an appropriate investment mix, taking into consideration the client's risk tolerance, time horizon and return objectives.