401k Management

Independent financial advice tailored to your needs is the best way to determine if your 401(k) is adequate for your retirement needs. At Gosho Financial Group, we will help you figure out how much you need to retire, when you can retire, and how much you’ll need to invest at what rate of return to reach your goals.

Our services as fee-only financial advisors can help you make better choices about your 401(k) and other retirement accounts, no matter what type of plans are available to you.

Know what to pick and when to buy and sell funds

One of the keys to 401(k) planning is picking the right portfolio from the start and giving it time to grow. We start by helping you choose funds that match your risk profile and monitoring the desired rate of return. The funds aren’t static, and the investments that most closely meet your goals will change over time. We will actively review your performance and rebalance your portfolio as needed to ensure your 401(k) continues to work well for you.

Self-Directed (Solo) 401(k) investments

Many people have a small business on the side or work full time for themselves. You can contribute to a self-directed (solo) 401(k) which offer the highest contribution limits, freedom to invest in any asset class (including alternative assets), tax-free compounding, and a Roth option. We can create and manage a custom portfolio for your self-directed 401(k) to optimize your retirement investment.

We help our clients create investments that eventually generate passive income, and we can do the same for you with your self-directed (solo) 401(k) investments.

Add your 401(k) to your total financial outlook

At Gosho Financial Group, we don’t believe investment decisions belong in silos. We know for many starting out their careers, your 401k is the single most important source of retirement income. We will manage your 401(k), and as you begin to grow your non-retirement investment accounts, real estate holdings, business ownership, pensions, and other investments, we’ll help you balance risk, income and appreciation potential, tax consequences, and diversification. All those investments, in turn, must exist harmoniously with the ebb and flow of larger financial and geopolitical events. We consider the big picture, from your total financial well-being to how outside factors affect your investments when we craft a plan for your 401(k).

Today, the average person will have 12 different jobs during their careers. We can help you manage your retirement savings as you move from one employer to another.

Rollover assistance

When you change jobs, you can roll your 401(k) into an IRA account with no tax penalty. You may continue to make tax-deductible contributions to the account, though under the rules governing IRAs. And you can roll a 401(k) into an existing IRA, so you keep all your retirement funds together.

As experienced financial managers, we know the rules governing rollovers and the benefits of different retirement accounts. We can help you make the transition and ensure your retirement savings keep growing.

We believe more people should be able to benefit from the wealth-building power of portfolios built on deep and broad knowledge of the markets. You don’t have to be an ultra-high-net worth (UHNW) person to benefit from independent 401(k) management. Gosho Financial Group offers thoughtful, personalized retirement planning services that are typically only available to investors with significantly higher wealth. 

Look at the big picture 

Life can take many different paths. Our retirement planning services considers all your financial goals, leading up to and including retirement. 

If you are an early retiree, your retirement expenses might include caring for a family member of an older or younger generation, starting a business, or going back to school. If you retire at the normal retirement age, you may have increasing healthcare needs, want to travel half the year, or help care for a family member. We’ll help you manage your changing priorities. 

Deep understanding of risks and returns

Gosho Financial Group founder Carol Gosho has over four decades of experience as a market watcher and investment advisor. Many of her long-term stock picks have proven to have a magic sauce of high income and principal growth after considering a broad range of factors (when choosing investments for you).

Marjan Soleimanieh spent over a decade in different roles in Silicon Valley's startup culture. She helps clients navigate IPOs and other benefits common in the tech industry. In   a sector where employment can be volatile, she helps clients invest to protect their futures.